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Loans & Lines of Credit
Personal Loans
Thinking about buying a New Car? Need a Vacation? How about some Home Improvements? Niagara has a complete range of loans for every need plus seasonal promotions. Make an appointment at your local branch to see one of our financial services advisors. They will be happy to help you with your loan application.
Apply by phone by calling our Contact Centre at (905) 688-7777 or 1-800-392-8657


Commercial & Agricultural

Niagara Credit Union offers a complete line of business loans - lines and letters of credit.

Niagara also has 3 convenient Commercial Business Centres (St. Catharines, Niagara-on-the-Lake and Welland). Click here for more details.




RRSP Loans

If you find it hard to save enough through the year to make your RRSP contributions, talk to us about borrowing for your RRSP. Niagara also offers a monthly contribution plan to help ease the burden of saving for a one time year end contribution. Talk to your branch staff about getting an RRSP loan to meet your specific needs. Apply by phone by calling our Contact Centre at (905) 688-7777 or 1-800-392-8657



Meritline - Line of Credit

Meritline is a revolving line of credit for amounts of $5000 and higher. It is an "anytime you need it" loan, that you only need to apply for once. If you find a boat or a car that you would like to buy, just write a cheque on your Meritline account

Meritline comes in two forms:
  • Home Equity Based - secured by the equity that you have in your home to save you interest - (interest rate can be as low as PRIME)
  • Regular Unsecured - interest rate based on PRIME plus 2.75%

Home Equity Meritline™

The equity you have built in your home can save you money. Use it to secure a low interest rate (can be as low as PRIME) and turn a home renovation, vacation or investment into a reality.

The key benefits of a NCU Home Equity Meritline are:

  • Access up to 75% of your home equity.

  • Apply only once, but reuse your Meritline line again and again.
  • 5 easy ways to access your money at all times:
       1. NCU Bank Machine
       2. INTERAC© Direct Payment
       3. Webster™ Online Banking
       4. Telephone Banking
       5. Personalized Cheques

  • Flexible monthly repayment options. Pay the interest only, Interest and a portion of your balance - or your entire balance (its up to you and your cashflow).

  • Make additional repayments at any time without penalty.

  • Use only what you need, when you need it, up to your available credit limit.

  • Pay interest only on the funds you actually use.

  • FREE personalized cheques with no cheque-writing service charges!

For more information or to apply call 1-800-392-8657 or visit with your Financial Coach at the branch.




Start Young
Learn to save and get the use of services such as chequing and ABM Cards with a Youth Account.










Vacation Loans
Get away to that special place this year with the help of a vacation loan from NCU









New Car Loan
A new car loan from Niagara Credit Union can put you in the drivers seat.
 


   
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