Borrowing Solutions

Williams Lake and District Credit Union proudly offers a
full array of borrowing solutions designed to help members
achieve their dreams.

The CreditMaster® is a readvanceable mortgage that is registered against your property and allows you to borrow, repay, and then borrow again without having to pay for another mortgage to be registered. Of course, future advances are subject to qualification. Whether you prefer a fixed or variable rate, short or long amortization, CreditMaster® allows us to custom tailor a solution to meet your unique borrowing needs.

Are you ready to apply? Get started here.

Creditor life, disability, critical illness and loss of employment insurances are available for added peace of mind.
The PrimeLine® is a simple and convenient home equity line of credit that allows you to access the equity you've built up in your home for a variety of purposes. 

Are you ready to apply? Get started here.

Creditor life, disability and critical illness insurances are available for added peace of mind.

Personal loans are available for a variety of purposes and may be secured or unsecured. Our personal loans allow you the flexibility of paying out the loan in whole or in part without penalty at any time during the term of the loan.

Preapproved loans enable you to secure financing for a purchase such as an automobile before finalizing the purchase. Preapproval gives you peace of mind knowing what you can afford to spend and can provide leverage during negotiations. With a preapproved loan you can search confidently and close your deal with certainty.

Are you ready to apply? Get started here.

Creditor life, disability and critical illness insurances are available for added peace of mind.

At Williams Lake and District Credit Union we can help you maximize your Registered Retirement Savings Plan (RRSP) contributions. Whether it's your first-ever RRSP contribution or you are topping up your unused RRSP contribution room from previous years, an RRSP loans can help you.

Like all personal loans at Williams Lake and District Credit Union, repayment of the RRSP loan in whole or in part can be done at any time penalty-free. Affordable repayment options from 1 to 10 years can provide you with a flexible repayment plan that suits your needs.

Are you ready to apply? Get started here.

Creditor life, disability and critical illness insurances are available for added peace of mind.


Even if you’ve saved every penny from your summer job, you might find that you still need to borrow to fund your post-secondary education. Williams Lake and District Credit Union's educational line of credit is specifically designed to help students completing post-secondary studies. These funds can be used for living expenses, tuition or books. The interest rate is set to provide low-cost funding to pursue studies.

To assist in your job search after graduation, interest-only payments can continue for up to a year after you've walked across the stage! After that, the balance automatically and conveniently converts to regular payments with an amortization of up to 15 years. In short, we want you to succeed in your studies and have designed this product to support you rather than hinder you.

Are you ready to apply? Get started here.

Creditor life, disability and critical illness insurances are available for added peace of mind.
A line of credit is a simple form of borrowing that allows you to borrow, repay, then borrow again up to your approved limit. Our lines of credit are conveniently attached to your chequing account, so there's no muddling around with moving funds back and forth between accounts. Each deposit to your chequing account goes toward your minimum payment. Interest is calculated daily on the amount outstanding, so you only pay interest on the amount you use.

Are you ready to apply? Get started here.

Creditor life, disability and critical illness insurances are available for added peace of mind.
Having a credit card is practically a necessity in today's world. Whether you're shopping online, making travel arrangements, or just wanting to splurge on a purchase, our Mastercard® can help! With a full array of cards, we've got an option for every type of cardholder. 

If you're looking for more information, or if you're ready to apply, click here.

If you need more information on any of our borrowing solutions,
reach out to a Loans Officer at your local branch.
We'd love to hear from you.

Legal Disclaimer:

Payment protection coverage is optional and is underwritten and provided by CUMIS 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.

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