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Overdraft Link Line

A safety net designed to protect you from NSF charges due to unplanned overages or emergency expenses.

Meet your present and future borrowing needs

On approved credit limit
Features of this line of credit
  • Automatically linked to your primary SCU chequing account so you don’t need to transfer funds
  • Overdraft protection available from $500 to $5,000
  • Available as an unsecured loan option

Benefits included with our overdraft link lines

Receive answers quickly and efficiently with in-house approvals


Pay interest only on the amount you use


Select payment options and terms that fit your budget


Enjoy the convenience of applying once, then using your funds whenever you need

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Get ready for your lending meeting

Meeting with a lending specialist is a great opportunity for you to ask questions and explore your borrowing options. Here’s what we need you to bring.

Download our checklist

Tips & tools

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Crunch the numbers

Use our borrowing calculators to help you plan how much you’ll spend on payments, the total cost of your debt, and ways to pay off debt faster.
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Manage your accounts on the go

Enjoy free access to online banking and our mobile app anytime, anywhere. Visit our digital banking centre to learn how to get started.

Personal borrowing rates

Interest Rate
Standard loan rate 6.95%
Line of Credit 7.95%
Personal Loan 7.95%
StudentFLEXTM Line of Credit Rates Vary
Overdraft Link Line 18.0%
e-Loan Rates Vary

Loan / line of credit / mortgage insurance coverage is optional and is underwritten and provided by CUMIS Life Insurance Company.  Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. 

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