Personal
Business
About
Lines of credit

Funds you can tap into anytime

Access funds up to your limit — no reapplying, just use what you need, when you need it.

Apply online

Flexible lines of credit

Apply for a line of credit once and get access to cash up to your approved limit. As you repay your balance, those funds become available again.

Reasons for a line of credit

  • Unexpected expenses
  • Home repairs and upgrades
  • Medical or dental expenses
  • Wedding or special celebration
  • Travel or a dream vacation
  • Emergency fund backup

Borrowing options

Choose an unsecured or secured line of credit for an even lower rate.

Revolving credit

Borrow, repay, and borrow again — just like a credit card, but with better rates.

Pay for what you use

Interest is charged only on the amount you borrow, not the whole limit.

Flexible payments

Make monthly interest payments and pay back the balance at your own pace.

Lower your rate even more

You can opt to secure your line of credit for an even lower interest rate. To apply for a secured line of credit, book an appointment or contact us.

Current rates

Personal line of credit

Line of credit type
Rate*

Line of credit type

Secured line of credit
Rate*

as low as 6.49%

Line of credit type

Unsecured line of credit
Rate*

as low as 7.49%

Line of credit type

Student line of credit
Rate*

as low as 5.50%
* Annual Percentage Rate (APR). Rate subject to change without notice. Conditions apply.

Ready to apply for an unsecured line of credit? It’s easy to get started online.

Apply online

For secured lines of credit, book an appointment or contact us.

Terms and conditions

All credit products are subject to credit approval. Some conditions and restrictions apply; contact us for details.

Open a business account

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

Already a member? Contact us to open a new account.

Become a business member

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

Become a member

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment
Business U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.20%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Business Savings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

1.55%

Balance

$100,000.01 – $250,000.00
Rate*

1.60%

Balance

$250,000.01 – $500,000.00
Rate*

1.70%

Balance

$500,000.01 – $750,000.00
Rate*

1.80%

Balance

$750,000.01 – $1,000,000.00
Rate*

1.90%

Balance

$1,000,000.01 – $2,500,000.00
Rate*

2.00%

Balance

$2,500,000.01+
Rate*

2.10%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.

Open an account

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment

Already a member? Log in to online banking.

Creative Arts Financial is closed on the following days

Wednesday, July 1, 2026 Canada Day
Monday, August 3, 2026 Civic Holiday
Monday, September 7, 2026 Labour Day
Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
Monday, October 12, 2026 Thanksgiving Day
Wednesday, November 11, 2026 Remembrance Day*
Thursday, December 24, 2026 Christmas Eve**
Friday, December 25, 2026 Christmas Day
Monday, December 28, 2026 Observation of Boxing Day*
Thursday, December 31, 2026 New Year's Eve**
Friday, January 1, 2027 New Year's Day 2027
* Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.15%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Investment Savings account

Account options
Rate*

Account options

Non-registered savings
Rate*

0.30%

Account options

TFSA investment savings
Rate*

0.60%

Account options

FHSA investment savings
Rate*

3.20%

Account options

RRSP investment savings
Rate*

0.05%

Account options

RRIF investment savings
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

0.60%

Balance

$100,000.01 – $200,000.00
Rate*

0.75%

Balance

$200,000.01+
Rate*

0.80%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.