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CU LINE® Personal Line of Credit

Our CU LINE Personal Line of Credit is a pre-approved loan that is there when you need it. Providing convenient access to credit for travel, purchasing a second car or vacation home, or financing your child’s education, once your CU LINE Line of Credit is established, you can draw up to your available credit limit in whatever amount you require to meet your needs.

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  • Credit limit starting at $5,000
  • No set-up fees
  • Monthly interest charged only on the amount used, for the amount of time it’s used
  • Interest rate based on member’s financial situation as well as our Prime lending rate
  • Benefit from a lower interest rate if your CU LINE Line of Credit is secured by credit union deposits

Home Equity Line of Credit

Our Home Equity Line of Credit (HELOC) allows you to use the equity in your home to borrow at preferred rates. Once your HELOC is established, it provides a long-lasting solution for your future borrowing needs, whether you plan to take a vacation, purchase a car, or complete home renovations.

With one application and one-time legal and appraisal fees, you can increase your buying power and establish a secured, personal line of credit with no maintenance fees. Our flexible repayment options, including monthly, interest-only payments make managing your finances hassle-free. You can even access your HELOC through cash withdrawals or special cheques.

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Student Line of Credit

Flexible Student Financing

With WFCU’s Student Line of Credit, students are eligible for up to $15,000 per year for a maximum of four years*. While in school and for up to one year after graduation, they pay monthly interest only on the amount used, for the amount of time it is used.

With a Line of Credit, students gain access to a pre-approved amount which they can draw on at any time and pay back on a timeline that works for them. As the money is repaid, they can borrow up to that limit again.

Plus, responsibly managing a Line of Credit helps our student members to establish their credit rating and build their financial future.

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*Students are to be 18 years of age, a Canadian Citizen and Ontario Resident, enrolled as a full time student in an accredited university or college program in Ontario.

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