Personal line of credit

Peace of mind for unexpected expenses, easy access to manage your cash flow

You never know when a check may take longer to clear, an auto payment falls due before you have the funds to cover it, or you need to cover car repairs while you’re traveling.

Our personal line of credit (PLOC) provides the perfect safety net and includes:

  • Quick access to money using a check, phone, or online transfer
  • Lines of credit start at $3,500
  • Variable interest rates
  • Flexible repayment terms
  • Fee-free overdraft protection—by linking PLOC to your checking account

There is a $25 annual fee.


Did you know?

Unlike in Canada, if funds from your personal line of credit have been automatically advanced to your checking account, you must make payments on the interest and principal in a separate transaction. You can repay the advance using Online Banking or by calling us. Or, you can set up an automatic draft as a recurring monthly payment.


All loans and lines of credit are subject to approval.