Personal Loans

Inflation Buster

The Credit Union offers a variety of credit facility options that can assist our members during periods of uncertainly. We offer Line of Credits, Mortgages and Meritlines with helpful options to make payments more affordable especially during challenging times. If you are finding it difficult to make ends meet, call us today for a consultation.

Easy and Confidential Application Process

Maybe you have some major purchases, a family vacation or some debt to consolidate. Whatever your needs, TECU can give you some peace of mind. We have a fast, easy and confidential application process and most loan approvals occur the same day you apply. Preferred rates are available. You can apply in person, online or over the phone. Our flexible payment options allow you to get rid of unwanted debt fast. Payments become painless through payroll deduction or automatic transfers and you can make extra payments with no penalty for paying off your loan early!

See What kind of loans is Right for you

Bio-Incredible Loans

Saving money and helping the environment is easy with TECU’s Bio-Incredible loans. Members can receive .25% off loan rates when the loan purpose is to improve the energy rating of your home.

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New & Used Vehicle Loans

Let TECU steer you in the right direction with the financing for your new wheels! We offer 100% financing with terms up to 60 months.

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Power Sport Loans

If a snowmobile, water craft, motorcycles, trailers, gym equipment, RV’s, snowshoes, golf equipment or a parachute is what you’ve been looking for to keep you on top of your game, see the loan department at TECU.

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Consolidation

Need help to lower your monthly payments and get rid of unwanted debt? If you are unsure what to do, we have free credit counseling services.

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Home Improvement Loans

Our home improvement loans range from painting the house to adding a new garden, any improvements that can increase the value of your home.

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Cushion Loans

If the payday treadmill is making you tired, let TECU help! We offer special loans that have no fees or service charges that will cushion you between pays.

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Tune Up Loan

Now you can Tune Up your financial position! Over the course of your loan, with regular reviews you can decrease the interest rate on your loan!

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*Loan rates are a Variable Rate Loan based on the Credit Union’s Base Rate (Prime). Variable Rate Loans will have an adjustment factor above the Base Rate. For example, if the Base Rate is 4.00% with an adjustment factor of 4.00%, your total Interest Rate will be 8.00% APR. The Credit Union may vary the Base Rate at anytime. The Base Rate is not geared to the Bank of Canada’s Rate or the Prime Rate you may see at other Financial Institutions. Your adjustment factor will remain the same for the term of your loan.

*A Fixed Rate Loan which may be offered on select lending products is not based on the Credit Union’s Base Rate (Prime). The rate is Fixed for the duration of the term of the loan.

*In the event of delinquency, payments that are blended with Principal and Interest will be applied in the following order: Delinquent Interest, Interest, Delinquent Principal, Principal.