Line of Credit

A Line of Credit (LOC) maximizes your purchasing power while ensuring access to funds when needed, without waiting or arranging for a personal loan.

A CUA Line of Credit can help you be prepared for those unexpected emergencies, car repairs, major home appliances, a vacation, or investment opportunities. Interest rates are lower than most retail credit cards which could save you money.


  • Peace of mind - life and disability insurance available
  • You control your own credit
  • Enjoy flexibility with access to your funds any time, any day, anywhere  
  • Competitive interest rate
  • Flexible repayment options of monthly, semi-monthly, bi-weekly or weekly. Choose what suits your budget and we will deduct the payment automatically from your account
  • No annual fee

Loan Rates

Click here for rates

Ready to apply online?

You can also apply by connecting with a member of the CUA team by completing the form on this page, visiting a branch or by calling the Customer Contact Centre at 902-492-6500.


Not sure if this is the best loan option for you? Depending on your goals, you may also want to explore the options below or read helpful articles.

Let's talk.

Helpful Articles

CUAuthors are experienced and financially savvy CUA staff who are passionate about helping our personal and commercial members improve their confidence and knowledge of money matters.