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Low Rate Personal Loans

Helping you realize your dreams

​We can help you realize your dreams

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Everyone can use a little extra help from time to time. No matter what you need it for, our low rate loan is a great way to make ends meet.

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Your choice of Fixed  or ​Variable interest rate options.

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​​Flexible Repayment Options

Monthly, weekly, bi-weekly, whatever suits your schedule.

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Convenient Payment Methods

Including AFT, auto-transfer or payroll deduction.

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Pay Extra or In Full Anytime

Pay a little more or in full with no interest penalty.

Exclusive Low Rate Personal Loan

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Personal Loans

DirecTCU aims to be the lender of choice among our members, offering attractive rates and convenient payment methods.  

Personal Loan Features

Competitive rates.

Flexible repayment options.

All loans open to early repayment with no penalty.

Life and disability insurance available and recommended.

Payment relief can be arranged during layoffs, strikes and leaves of absence (including parental).'

Special purpose' loans at great rates to meet your specific needs (i.e. computer, RRSP, education).

Interest rates on our personal loans are annual rates and are calculated on the declining loan balance.

*On approved credit, new money only, other conditions apply.

Lines of Credit

At DirecTCU, we know that each of our members is unique. 

MeritLine home Equity line of Credit 

Using the equity in your home to secure this pre-approved line of credit guarantees you one of the lowest rates available for credit.  A companion MeritLine Account is your key to convenient access.


  • Line of Credit secured by equity in your home
  • Minimum $50,000
  • Payments as low as 'interest only'
  • Open to prepayment at any time without penalty
  • Accessible anytime through online banking
  • Lock-in features are available
  • Life, disability, loss of income and critical illness insurances are available

​Interest is calculated daily on the outstanding principal and compounds monthly.

The annual percentage rate (APR) for secured lines-of-credit is variable and based on Tandia rate of Prime and is subject to change without notice.  Legal and appraisal fees and insurance would increase the APR.  Credit applications are subject to approval and conditions apply.  Final rate will be determined according to Tandia's usual credit granting criteria.

AdvantageLine Line of Credit

A pre-approved line of credit means you may never have to apply for credit again.  You can continuously borrow and repay up to your pre-determined limit.  The companion AdvantageLine Account is your key to convenient access.


  • Variable interest rate that adjusts with Tandia's PrimeLimits from $5,000 to $100,000
  • An attractive rate with further reduction if secured by home equity
  • Accessible anytime through online banking or at any Tandia ATM
  • Flexible repayment optionsMonthly premium life, disability, loss of income and critical illness insurances are available

Interest is calculated daily on the outstanding principal and compounds monthly.

Get started now

Call our Member Solutions Centre at 1.855.598.2893

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Get started now

You can apply online or by phone - call our DirecTCU Member Solutions Centre at 1.855.598.2893