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.

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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
  • 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*


*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.


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More personal loan features

memberSHARE
Loyalty Program

Eligible for annual product bundle payments and cash rebates on loan interest* 
Made to fitPayment amounts and frequency tailored to your budget and lifestyle
Pay your loan off fasterMake extra payments at any time with no penalty and save on interest
Payment protectionGet insurance to cover your payments in case of the unexpected

Apply now Book an appointment

*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.

Loan calculator

Use the loan calculator to determine how much you can borrow and to estimate your monthly payments



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

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

Email

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.

Payment protection coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.

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