Skip to main content

Line of Credit


Customized lending solutions and flexible rates to meet your needs 


There are a few ways we can tailor your loan to your budget and situation.  For example, take one to five years to repay most loans or you can choose between a competitive fixed or variable rate loan.   You can also reduce your interest rate with a secured loan and reduce payments over the long term by putting together a weekly, bi-weekly, semi-monthly or monthly payment plan.  You can even customize your payment amount, frequency of payment or the date to pay.

 Click here to get started. 


Line of Credit


CreditLine Line of Credit

A CreditLine, line of credit is a one-time-approved ongoing loan that is often used for vacations, renovations and vehicle purchases. The minimum pre-arranged limit is $5000. It is usually at a preferred rate and requires a payment of interest only each month. 

  • Access money when you need it
  • Pay it down as often as you want to
  • Pay it back on your schedule or just pay the interest
  • Keep it active for as long as you want



Please contact us at 250-837-6291 extension 250 for these rates or send a message through our contact page


Credit & Mortgage Protection

Credit and Loan Insurance is a very simple and affordable way to protect you and your loved ones from unexpected financial loss.  CUMIS offers comprehensive credit insurance for credit union members on all types of debt, from small loans to large mortgages, personal or business. CUMIS provides;  

  • Security, protect against the unexpected by safeguarding your assets and your family
  • Peace of mind, payment protection allows you the freedom to enjoy your life, worry free from financial stress for you or your loved ones 
  • Affordable coverage with group rates available for credit union members. If you compare the cost of the insurance against the cost of replacing what you may lose without it, you will see its true value
  • Convenience, enrolling is easy and we offer a 30-day free look. If you aren’t satisfied, cancel within the first 30 days for a full refund

Overdraft protection

Protection at any time against overdrawing your account or having returned cheques because of inadequate funds. Monthly payments are based on a percentage of the outstanding balance.

People looking at devices_in a line.jpg

*  Rates are subject to change.

**Legal Disclaimer: Payment protection coverage is optional and is underwritten and provided by CUMIS Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements.