RRSP loans
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​Replenish your retirement savings and get instant tax benefits
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Catch-up RRSP loan
Boost your Registered Retirement Savings Plan with an RRSP loan
Get your retirement savings on track with a loan that offers low interest rates, extra payment options, and an annual cash rebate. Plus, take advantage of the 60 day payment deferral option and push off your first payment until you receive your tax refund.
​Flexible options
- Interest rate
Save more with a competitive variable interest rate - Terms for catch-up loans
1 to 5 year terms available based on the total loan amount and your financial situation - Available all year
RRSP loans are available throughout the year - Payment frequency
Monthly, semi-monthly, bi-weekly, and weekly payment plans available
- Interest rate
​Features
- 60 day payment deferral option
Delay your first loan payment until you receive your tax refund - Lower interest rates
Get competitive interest rates so you can save more for your future - Easy approval process
Fill out an application and get approved quickly - Receive an annual cash rebate
Earn cash on interest paid during the previous calendar year through memberSHARE*
- 60 day payment deferral option
*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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Re-advanceable RRSP loan
Stay on track — apply once and simply re-borrow each year
Save for your future with an RRSP loan that offers low interest rates, extra payment options, and an annual cash rebate. Plus, take advantage of the 60 day payment deferral option every year and push off your first payment until you receive your tax refund.
Flexible options
- Interest rate
Save more with a competitive variable interest rate - Terms for re-advanceable RRSP loans
Available for up to one year based on the total loan amount and your financial situation - Available all year
RRSP loans are available throughout the year - Payment frequency
Monthly, semi-monthly, bi-weekly, and weekly payment plans available
- Interest rate
​Features
- Lower interest rates
Get competitive interest rates so you can save more for your future - Easy approval process
Get approved instantly, then simply re-advance each year by phone, email, or in person - 60 day payment deferral option
​Delay your first loan payment until you receive your tax refund - Receive an annual cash rebate
Earn cash on interest paid during the previous calendar year through memberSHARE*
- Lower interest rates
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More RRSP loan features
| memberSHARE Loyalty Program
| Eligible for annual product bundle payments and cash rebates on loan interest* |
| Made to fit | Payment amounts and frequency tailored to your budget and lifestyle |
| Pay your loan off faster | Use your tax refund to pay down your RRSP loan |
| 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.
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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.
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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
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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:
- Get 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
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.