Low-risk investing with GICs in various term lengths, available in both Canadian and U.S. funds.
Earn a guaranteed rate of return
100% deposit guarantee
GICs are also available in an RRSP, RRIF, or TFSA
Save for a rainy day, a big purchase, or get ready for retirement with a Tax-Free Savings Account.
All returns are tax-free
Manage your TFSA online or using the SCU app
Access your funds when you need them
Save for your retirement and reduce your taxable income now with an RRSP.
Enjoy tax-deferred savings
Make tax-deductible contributions
Choose from a variety of investing options
Give a child in your life a head start on their
post-secondary education with an RESP.
Increase savings with government grants
Convert your RRSP to a RRIF and enjoy a steady income while still earning interest on your money.
Control your income
Continue to grow your money tax-free
Use an RDSP to provide future financial security for an individual who receives the disability tax credit.
Earn tax-sheltered interest
Keep existing disability benefits
Reach your investment goals with online investing made easy by Qtrade Investor and VirtualWealth®.
Advanced investment software
Fast, friendly, and knowledgeable customer support
Get the funds you need to consolidate your debt, contribute to your RRSP, or make a large purchase.
Competitive interest rates
Flexible repayment plans
No pre-payment penalties
Get the right amount of money at the right time with a pre-approved credit limit.
Get approved once, access funds as you need
Only pay interest on the funds you use
Cover loan payments in case of the unexpected. Coverage options include: life, disability, critical illness, or loss of employment.
Protect your assets
Safeguard your savings
Maintain current credit score
Protect your biggest investment; your home! Coverage options include: life, disability, critical illness, or loss of employment.
Enrolling is easy and arranged at the time of your mortgage application
Flexible payment options
Safeguard your home from theft and other unforeseen events.
No premium increases for client‐paid claims
Claim counselling service for all your questions
Easily manage your policies online
Enjoy your trip worry-free with coverage for missed flights, trip cancellations, lost luggage, and hospital visits.
Up to $10 million coverage for emergency hospital visits or medical care
Multi-trip plan insurance for those who travel multiple times a year
24/7 access to multi-lingual emergency travel assistance
September 8 , 2020
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Because sometimes your dream home doesn’t exist yet.
We have builder-mortgage options designed for new-build projects of all kinds.
Take comfort in knowing exactly how much equity you’ll build by the end of your mortgage term.
Available in 1 to 5-year terms for up to 25 years’ amortization
Guaranteed rate of interest and set payment amounts throughout the term length
Prepay up to 20% of the original principal amount yearly with no penalty
Current consumer rates.
Consider a variable open mortgage if you’re looking to pay your mortgage off in less than five years.
Offers the most flexible repayment options of any SCU mortgages
Make additional payments anytime without penalty
Interest floats as per our currently posted rates
Current variable interest rate.
A variable rate gives you an opportunity to get ahead and pay your mortgage off faster if rates decrease.
Pay your home off faster if rates decrease
The amount you pay each month remains the same throughout your term. The amount paid toward principal and interest fluctuates as rates change
Available as a 5-year term for up to 25 years’ amortization
Enjoy the benefits of a variable rate, along with peace of mind of a protective rate ceiling if rates increase.
Talk with an SCU lending specialist
Offers the flexibility of a variable mortgage, but capped at 1% above the current posted rate for a 5‑year term
Enjoy peace of mind knowing you’re protected from rising rates
Available as a 5-year term with up to 25 years' amortization
Our ready to move mortgages offer solutions for residential builds of mobile and modular homes.
Mobile Home: A transportable single or multiple section family dwelling that's ready for occupancy upon completion of set up.
Modular Home: A unit that is intended for residential use, constructed as a unit or component parts off site. It is transported to the job site as a finished unit or component parts that are assembled and placed on a proper foundation.
The contract build mortgage provides periodic funding as stages of the build become complete. During construction, this is set up as an interest-only mortgage. Once you take possession, you assume both principal and interest payments on the mortgage. You are only required to pay interest on the amount advanced on this mortgage.
We developed our turn-key mortgage for homes being built and funded by the builder until possession date, when the new home is turned over to someone else.
The assumption mortgage works the same way as the turn-key mortgage, but it requires an initial deposit and is available to certain builders only.
Terms and Conditions
All rates are subject to change without notice. Some conditions may apply. See us for details.