Let your money do the work for you with great rates.
There's more to a credit union than just banking.
We know that strong financial literacy is key to making informed decisions about money.
We offer industry leading business account rates.
Connect with our Business Banking team
Located at 1 James Street South in Hamilton.
Meet our Wealth Team
Our wealth advisors are here to provide expert guidance and support.
We know that strong financial literacy is key to making informed decisions about money.
We know that strong financial literacy is key to making informed decisions about money.
Your home is more than just a place to live — it’s a powerful financial asset. The FirstOntario MeritLine is a home equity line of credit (HELOC) that lets you unlock equity in your home to invest in a renovation or education, provide security against unexpected expenses, or reduce interest payments through debt consolidation.
as low as
A HELOC is ideal for individuals who have built up equity in their home and want a flexible borrowing option.
Enjoy low interest rates and only pay interest on the amount you use.
Borrow, repay, and borrow again – just like a credit card, but with better rates.
Access your funds anytime through online banking, mobile app, or in branch.
Keep more money in your pocket with no hidden or annual fees.
Borrow up to 80% of your home’s appraised value, minus your mortgage balance.
Holding a mortgage and a HELOC is a smart financial strategy that provides stability and flexibility. While your mortgage provides predictability, a HELOC offers funds you can tap into as you need it. Take advantage of competitive rates, streamline your borrowing under one roof, and make the most of your home’s equity without having to refinance. It’s an effective way to stay financially agile while building long-term value.
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