• Rate and payment stability

Open or closed fixed-rate loan
3-, 4-, 5-, 6-, 7- or 10-year terms

• Higher rate than variable rate loans or than 1- or 2-year term fixed-rate loans
• Possibility of diversifying your loan
• Find out the current rates

• Protection against rate hikes
• Repayment of the fixed rate loan without penalty up to 15% of the capital yearly
• Eligible for potential member dividends

• Rate and payment stability
• Savings on interest

Open or closed fixed-rate loan
1- or 2-year terms

• Lower interest rate than a fixed-rate loan with a term of 3 years or longer, but higher than a variable rate loan
• Possibility of diversifying your loan
• Find out the current rates

• Protection against rate hikes
• Possibility of benefiting from lower interest rates in the short term
• Repayment of the fixed rate loan without penalty up to 15% of the capital yearly
• Eligible for potential member dividends

• Savings on interest
• Flexibility
• Payment stability

"5 in 1" Yearly fixed-rate resetter loan

• 5-year term
• One year fixed rate, reviewed annually for the 5-year term, with a pre-established discount each year
• Stable payments adjusted annually according to yearly reviews of interest rates
• Possibility of diversifying your loan
• Find out the current rates

• Rate discount negotiated in advance for the 5-year term on the best closed fixed-rate (1 year)
• Possibility of a higher discount the first year, which accelerates the repayment of borrowed capital
• Possibility of conversion to a fixed rate without penalty, at any time (a rate discount may be agreed upon in advance if the conversion is for a term equal to or greater than the remaining term)
• Eligible for potential member dividends

• Payment stability
• Savings on interest
• Protection

Protected variable-rate loan

• 5-year term
• Variable rate based on prime rate plus a percentage
• Certain rate limit which can not be exceeded during the term
• The payment amount is usually set according to the rate limit
• The excess, if such is the case, is applied directly to the remaining capital
• Possibility of diversifying your loan
• Find out the current rates

• Possibility of benefiting from rate decreases, while being protected from major rate increases
• Eligible for potential member dividends

• Optimal interest savings
• Flexibility

Variable reduced-rate loan

• 5-year term
• Variable rate based on prime rate (possibility of variation up or down depending on current special offers)
• Possibility of diversifying your loan
• Find out the current rates

• Major savings on interest rates: usually the lowest available rate
• Possible to convert at any time without penalty to a closed fixed-rate for a term equal to or longer than the remaining term
• Eligible for potential member dividends

• Savings on interest
• Great flexibility

Regular variable-rate loan

• 1- or 2-year term
• Variable rate based on prime rate plus a percentage
• Payment excess is applied directly to the remaining capital
• Find out the current rates

• Lower interest rates than some fixed-rate loans
• Total or partial repayment of your loan at any time without penalty
• Eligible for potential member dividends

• Use the value of your property and benefit from an attractive rate
• Diversify your mortgage
• All your credit needs in the same solution
• Credit available at any time
• Great flexibility
• Savings on interest

Versatile Line of Credit

• Mortgage-secured line of credit
• Find out the current rates

• Financing tool "par excellence"
• Possibility of diversifying your loan
• Withdrawal possible at any time on your credit line
• Easy access to your credit (ATM, AccèsD, 1-800 CAISSES, cheque or at your caisse)
• Possibility of transferring cash advances at any time to distinct mortgage or term loans (of $15,000 or more) linked to the Versatile Line of Credit
• Very attractive interest rate