Borrowing Solutions Built for you

Borrowing for What’s Important to You

Borrowing can be complicated!  There are so many available options it can be overwhelming.  Whether you’re looking for a new home, new car, paying for unexpected expenses, or making home improvements, we have a borrowing solution to meet your needs and your budget! Our expert lending team will help guide you to make a sound borrowing decision. 

Our borrowing solutions offer:

  • Affordable and flexible payments geared to your budget
  • Flexible and tailored repayment options
  • Competitive interest rates
  • Options for accelerated debt reduction
  • Protection with optional life, disability, and critical illness insurance

Connect with an Expert

Our team of Local Lenders, live, work and play in our community, so they understand your unique challenges and opportunities and have the skills and training to tailor innovative borrowing solutions to meet your financial needs.

Whether you’re buying a home, renewing your mortgage, or planning a renovation, KCCU will help tailor your mortgage to suit your needs.
We offer expert advice and solutions that put your interests first!

Consolidating debts, vacation, or holiday expenses, or buying a new vehicle, whatever the purpose, a KCCU loan can make it a reality!
We offer a variety of loans to meet all your borrowing needs.

A KCCU Line of Credit provides you with flexibility to pay for unexpected expenses, emergency repairs, personal expenses or to fill cash flow gaps.

Ask us about setting up a Line of Credit today to give you peace of mind that it is in place for when you need it.

We offer a full suite of credit cards to help boost your buying power.

With our wide range of card options, it’s easy to find the one that is right for you.

What to bring to your loan appointment

  • Confirmation of income (last two most recent pay stubs and copy of T4)
  • a letter from your employer verifying position and pay OR your most recent Notice of Assessment
  • your employer’s legal address and address
  • current list of assets with approximate amount or value of the assets
  • current list of liabilities, including:
    • current balance
    • payment amount
    • authorized limit for credit card or line of credit, if applicable
  • direct deposit information


Use our calculators to help determine payments and affordability.


Green Loans and Lines

KCCU’s is proud to demonstrate our commitment to supporting local climate action initiatives by offering a suite of Climate Action Loans to help our members reduce their impact on the environment.

Financial Learning

Explore our financial learning library for topics that are important to you.  Our animated video series follow our main character Jen on her journey to understanding everything there is to know about money. 

Creditor’s group insurance is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators 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. See the Product Guide and Certificate of Insurance for full coverage details. To contact CUMIS, A Division of Cooperators Life Insurance Company, visit or call 1-800-263-9120.


A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)