Apply only once – borrow up to the pre-approved limit, pay it down and use it again for any purpose without re-applying. Interest rates vary based on the type of security the member pledges against the line of credit. There are preferred rates applied when eligible Credit Union deposits, including registered plans, are provided.

• Instant access to funds --- you're pre-approved for each advance
• Accessed through online banking, by cheque, cash withdrawal from any ATM or through
  POS/ debit
• Minimum loan amount $3,000; maximum $25,000
• Interest is charged only on the amount used (not necessarily the authorized limit)
• No maintenance fees
• Payments of 3% of the outstanding monthly balance