Get your safety net

Line of Credit

Convenient, easy-to-access cash with lower minimum payments. You’ll also pay less interest than a credit card.

Join the 57,000+ members who bank with us!



Discover the benefits!

  • Enjoy fast cash when you need it
  • Make lower minimum payments
  • Pay less interest than a credit card
  • Earn cash dividends

Get $500!*

Digital Loan Offer

Become an Innovation member, qualify for a personal loan, and earn $500!*


Get the money you need


Know you’re always covered

Your approved line of credit is tied to your chequing account. So, when you’re in need of extra funds, it’s immediately available for you. It can be a true safety net.  

Enjoy low minimum payments

A line of credit is a small personal loan. That means lower minimum payments. It’s affordable borrowing when you need it.

Discover lower rates

Get lower rates than you’d pay on a credit card. And only pay interest on the money you use. Your interest payments will be lower than with a larger loan as well.

Earn cash for everyday banking

With our Member Rewards program, you’ll earn cash dividends by having your line of credit with us. The more you bank with us, the more you benefit!


Additional Information

  • Available for personal use only
  • Interest earned on daily closing balance and paid at month end
  • Minimum credit limit - $5,000
    • Limits over $5,000 to $50,000 inclusive (increments of $1,000)
    • Limits over $50,000 (increments of $5,000)
  • Unlimited prepayment
  • Interest payable monthly on last day of the month
  • Applicable application fees
  • Applicable annual line of credit/authorized overdraft fees


Need help?

Ask an Advisor

No jargon, no hidden fees, and no pressure - only smart advice!



Save

Our No-Fee Bank Account has no monthly fees and no balance requirements. Save as much as $360/year in fees!

Earn

You earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit.

Give

Your business helps us support your community. We allocate 2% to 4% of pre-tax profits/year to our communities.



Enjoy affordable, easy financing

Pay less for the money you need. Easily apply for ongoing access to cash today.


Need more help choosing your loan?

Try our loan selection tool!


Rates subject to change without notice.

Calculators on the site are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please contact us directly to seek personalized advice from qualified professionals for all personal finance issues.

Learn more about our accounts and services. Review our Account and Fee Information (pdf).