Personal Loans
Realize your dream of a new boat or backpacking through Europe
Put your plans into action with a loan
Get started with a structured and affordable way to borrow
Buy a vehicle
Get pre-approved and shop for a vehicle with confidence.
Make a major purchase
Get cash for a new computer, boat, quad, or trailer.
Consolidate debt
Combine all of your debt into one manageable payment.
Take a vacation
Plan your dream holiday and get cash to pay for it.
Get the money you need, when you need it
Fund projects around the house or buy that truck you’ve been thinking about
Get access to money with a loan that offers low interest rates, extra payment options, and an annual cash rebate.
Flexible options
- Interest rate
Fixed or variable interest rates available - Terms for personal loans
1 to 5 year terms available based on the total loan amount and your financial situation - Terms for new vehicle loans
A new vehicle may qualify for an extended term - Payment frequency
Monthly, semi-monthly, bi-weekly, or weekly payment plans available
- Interest rate
Features
- Lower interest rates
Based on your situation, the interest rate can be much lower than a credit card - Easy approval process
Fill out an application and get approved quickly - Secured or unsecured
Get approved faster and get a better interest rate with a secured loan - 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.
More personal loan features
| memberSHARE Loyalty Program
| Eligible for annual product bundle payments |
| Made to fit | Payment amounts and frequency tailored to your budget and lifestyle |
| Pay your loan off faster | Make extra payments at any time with no penalty and save on interest |
| Payment protection | Get insurance to cover your payments in case of the unexpected |
memberSHARE eligible
Earn when you bank
Loans are memberSHARE eligible. Earn cash bonuses every year when you bundle qualifying products.
“I got $200 this year just for doing my banking at ACU.”
- Rochelle B.
RRSP loan
Maximize your Registered Retirement Savings Plan (RRSP)
with catch-up and re-advanceable loan options
Saving for your future has never been easier. Catch-up now or plan ahead with a re-advanceable RRSP loan.
- Top up your annual RRSP contribution
- Build up your retirement savings now, no need to wait
- Take advantage of tax savings and great rates
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
Centra Gold Mastercard
Earn points toward travel, merchandise, and gift cards for your everyday purchases
Earn 1 point for every $1 spent on everyday purchases with this low-fee, low interest card.
Choose Aldergrove Credit Union
Earn cash back
Get an annual cash bonus when you bundle qualifying products.
3,600+ ATMs
Access your money across Canada with over 3,600 free ATMs and seven 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
7:00 am - 7:00 pm
Saturday 8:00 am - 4:00 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.