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LOAN SERVICES 

LOAN SERVICES

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Quick & easy process

No need to wait around. Our straightforward process ensures you get access to the funds you need fast.

Solutions, not selling

Our focus isn’t selling, which is why we’ll give personalized recommendations to ensure you get the best deal.

Proactive guidance

We’ll guide you throughout the borrowing process, offering insight and advice to ensure everything goes smoothly.

Preferred rates

With TPCU, you’ll benefit from competitive rates that get even better when you join our
Rewards Program.

Quick & easy process

No need to wait around. Our straightforward process ensures you get access to the funds you need fast.

Solutions, not selling

Our focus isn’t selling, which is why we’ll give personalized recommendations to ensure you get the best deal.

Proactive guidance

We’ll guide you through the borrowing process, offering insight and advice to ensure everything goes smoothly.

Preferred rates

With TPCU, you’ll benefit from competitive rates that get even better when you join our Rewards Program.

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FOR FAST APPROVALS AND BETTER RATES

MORTGAGES

COMPETITIVE RATES WITH PERSONALIZED SUPPORT

LINES OF CREDIT

​Get the lowest loan rates

​Open to any member, our Rewards Program offers you low borrowing rates, high savings and investing interest, and no-fee banking.

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​Explore your loan options​

​PERSONAL LOAN 

Right for you if you’re looking for a flexible, low interest loan to make a major purchase, finance a vacation or consolidate debts. 

Key features

  • Fixed or variable interest rates available
  • Open term so you can make extra payments or pay off your loan at any time without penalty
  • Flexible repayment options: weekly, bi-weekly, semi-monthly or monthly
  • Maximum loan repayment period is five years
  • Overdraft protection available


​Rewards Membership

0.00% interest rate 

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

PERSONAL LOAN 

Personal loans may be needed when you do not have the necessary funds to pay for something important to you. Perhaps you require a consolidation loan, a home renovation loan or simply want to take a family vacation.

​Key features

  • Fixed or variable rates available based on the term chosen
  • Open term means you can pre-pay or payoff your loan at any time with no penalty
  • Flexible repayment options to meet your needs
  • Maximum terms available of up to 5 years
  • Life, disability and critical illness insurance available

​Rewards Membership

Become a Rewards Member and receive a lower interest rate on a Loan 

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​VEHICLE LOAN 

Right for you if you’re in the market for a new or used car and want one of the best rate deals around.

​Key features

  • Pre-approval and 100% financing available
  • No down payment needed
  • Flexible repayment options: weekly, bi-weekly, semi-monthly or monthly
  • Preferred rates for new or used cars under four model years old
  • Terms up to 120 months
  • Discounted support from Car Choice Canada when you get a pre-approval
  • Overdraft protection available


​Rewards Membership

0.00% interest rate 

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​VEHICLE LOAN 

Right for you if you’re in the market for a new or used car.

​Key features

  • Pre-approvals available
  • Borrow up to 100% of the purchase price
  • No deposit required
  • Flexible repayment options to meet your needs
  • Preferred rates for vehicles under four model years old
  • Maximum terms available up to 10 years
  • Open term means you can prepay or payoff your loan at anytime with no penalty
  • Discounted support from Car Choice Canada when you get a pre-approval
  • Life, disability and crirical illness insurance available
  • Fixed or variable rates available based on the term chosen

​Rewards Membership

Become a Rewards Member and receive a lower interest rate on a Vehicle Loan

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​RECRUIT TRAINING LOAN 

Right for you if you plan to become a police officer and need help financing the tuition fee for the Ontario Police College. 

​Key features

  • Automatically pre-approved for the cost of tuition
  • 5-year fixed at our Rewards rate 
  • Additional $3,000 available for other expenses
  • Open term so you can make extra payments or pay off your loan at any time without penalty
  • Flexible repayment options: weekly, bi-weekly, semi-monthly or monthly
  • Convenient payroll deduction available
  • Overdraft protection available
  • All loans must be life and disability insured


​Rewards Membership

0.00% interest rate 

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​RECRUIT TRAINING LOAN 

Right for you if you plan to become a police officer and need help financing the tuition fee to attend Ontario Police College. 

​Key features

  • Loan pre-approved for the cost of tuition
  • 5-year fixed rate term at a great rate
  • Up to an additional $3,000 for extra expenses
  • Open term means you can prepay or payoff your loan at anytime with no penalty
  • Flexible repayment options to meet your needs
  • Overdraft protection available on your chequing account
  • Life and disability insurance included as part of your package
  • Critical illness insurance available

​Rewards Membership

4.25% interest rate 

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​RRSP LOAN

​Right for you if you’re looking to catch up on RRSP contribution room to maximize the benefits of this tax-sheltered account.

​Key features

  • Borrow up to 100% of your credit union RRSP or 50% of the value of your other investments
  • Minimum loan amount of $1,000
  • Overdraft protection available


​Rewards Membership

0.00% interest rate 

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​RRSP LOAN

​Right for you if you’re looking to take advantage of your available contribution room in your RRSP

​Key features

  • Borrow up to 100% of your credit union RRSP
  • Minimum loan amount $1,000
  • Maximum Terms available up to five years
  • Life, disability and critical illness insurance available
  • Fixed or variable rates available based on the term chosen



​Rewards Membership

Become a Rewards Member and receive a lower interest rate on an RRSP Loan  

Plus:

  • No fees for day-to-day banking
  • Highest possible savings and investing rates
  • Lowest possible rates for other borrowing

Learn more about rewards membership

​Try our loan calculator

​See how much you can afford to borrow for your next big goal and what the payments will look like with our loan calculator.

​Try our loan calculator

​See how much you can afford to borrow for your next big goal and what the payments will look like with our loan calculator.

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​CREDIT CARDS TO MATCH YOUR GOALS

​Put your spending to use earning the rewards you want. Plus the more you spend, the more we send in donations to the Police Memorial Foundation. 

CREDIT CARDS TO MATCH YOUR GOALS

​Put your spending to use earning the rewards you want. Plus the more you spend, the more we send in donations to the Police Memorial Foundation. 

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​GET A FINANCIAL CHECK-UP

​Make sure you’re on track to achieve your goals with a personalized financial check-up from one of our experts. 

G​ET A FINANCIAL CHECK-UP

​Make sure you’re on track to achieve your goals with a personalized financial check-up from one of our experts.