Lines of Credit

A revolving line of credit is a loan with an approved limit that is attached to a chequing account for the purpose of facilitating funding for short term personal credit requirements as well as providing overdraft protection.

A line of credit will cover the shortfall of funds in your chequing account and, for your convenience, can be accessed through cheques, ATM, in-branch withdrawals, POS, or pre-authorized debits.

  • A line of credit is intended to meet short-term credit requirements in the form of overdraft protection, so you no longer have to be concerned about overdrafts.
  • A line of credit is self-renewing, which means as credit is repaid, the funds are automatically available again, so you don't have to reapply each time.
  • Line of credit interest rates are lower than credit card interest rates, so you pay less for financing.

- Interest is charged only on the money that is used.

- Variable rates only

- Interest is paid monthly

A Line of Credit Availability fee is charged annually.  Please click here for fee schedule. 


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