- Personal
- Borrowing
- Lines of credit
- Personal line of credit
Lines of credit
Borrow and pay for what you need, not a penny more
Money at your fingertips
Enjoy financial freedom with a convenient way to borrow
Unexpected expenses
Be prepared for unforeseen events and costs.
Getting married
Plan your wedding and access funds as you need them.
Home furnishings
Buy a new mattress, couch, or a BBQ for the summer.
Recreation and travel
Fund your fun whether you fish, snowboard, or mountain bike.
Dip in as many times as you like
Your line of credit is always there to help pay for expenses between paycheques or ongoing renovation projects
Access funds with a line of credit that offers competitive interest rates, anytime access, and an annual cash rebate.
Flexible options
- Anytime access
Borrow on your schedule with no set term length - Pay interest only when you borrow
Interest is only charged on the amount you borrow - Payment frequency
Make a minimum monthly payment, plus additional payments anytime
- Anytime access
Features
- Lower interest rates
Based on your situation, the variable interest rate can be much lower than a credit card - Quick and easy approval process
Fill out an application and get approved instantly - Receive an annual cash rebate
Earn cash on interest paid during the previous calendar year through memberSHARE*
- Lower interest rates
*memberSHARE Loyalty Program dividend, bonus and rebate percentages are announced annually and payment is not guaranteed. A $5 minimum payment per account is required to receive payment.
Home equity line of credit
Access up to 65% of your home’s value to fund large or unexpected purchases
Borrow more using your home’s equity as security for easy access to funds.
- Competitive interest rates
- Save time with convenient one time registration when you set-up your mortgage with us
- Line of credit protection insurance options available
More line of credit features
| memberSHARE Loyalty Program
| Eligible for annual product bundle payments and cash rebates on loan interest* |
| Made to fit | Make payments only on what you borrow |
| Pay your line of credit off any time | Make payments any time with no penalty and save on interest |
| Payment protection | Get insurance to cover your payments in case of the unexpected |
*memberSHARE Loyalty Program dividend, bonus and rebate percentages are announced annually and payment is not guaranteed. A $5 minimum payment per account is required to receive payment.
memberSHARE eligible
Earn when you borrow
Loans are memberSHARE eligible. Earn cash bonuses every year when you bundle qualifying products.
"I got over $250 this year just for doing my banking at ACU.”
- Rochelle B.
Borrowing tips
When to choose a loan
You want a structured plan with set monthly payments. Get funds to make a one-time large purchase, or catch up on your RRSP contributions. Consider a loan if you want to:
- Fund a large purchase
- Pay for a one-time unexpected expense
- Contribute to your RRSPs and save on taxes
Borrowing tips
When to choose a line of credit
You want ongoing access to money and the freedom to withdraw and deposit funds as you go. Consider a line of credit if you want to:
- Have ongoing access to your money
- Prepare for unexpected expenses
- Pay interest only on the money you use
World Mastercard
Elite rewards for everyday purchases
Get first-class privileges through generous reward points toward travel, gift cards, and more.
Choose Aldergrove Credit Union
Earn cash back
Earn bonuses and rebates on products, plus dividends on equity shares paid annually.
3,600+ ATMs
Access your money across Canada with over 3,600 free ATMs and six local branches.
Digital banking tools
Budget, bank and learn using online and mobile banking solutions 24/7.
No-limit banking
Get excited to save and spend with affordable account options including unlimited transactions.
How to reach us
Send us an email and get a response within one business day.
Call
Monday - Friday
8:30 am - 5:30 pm
Saturday 8:30 am - 3:30 pm
Meet with us
Book an appointment with a
Financial Advisor.
Visit a branch
Stop by any branch and we promise you’ll get a smile.