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  1. BORROW
The money you Need
Borrowing wisely can open the door to exciting opportunities for your life or business. Whether you’re buying a home, expanding your reach, financing farm equipment, getting behind the wheel of a new vehicle, or consolidating debt, the right advice and lending product can make it possible.

Loans

At some point, almost everyone needs to borrow money to make something happen in their lives. Whatever your reasons for borrowing might be, we’re here to help with personal, business and agriculture loans designed to help you reach your goals.

Personal Loans

Go to Personal Loans

Business & Ag Loans

Go to Business & Ag Loans

Mortgages

Choosing the right mortgage is crucial, whether you're buying a home, renovating, refinancing, or expanding your business. We offer a range of mortgage products and friendly expertise to make the process easier. From personal mortgages to commercial and agribusiness financing, we have solutions to meet your unique needs.

Personal Mortgages

Go to Personal Mortgages

Business & Ag Mortgages

Go to Business & Ag Mortgages

Payment Protection

When illness, tragedy or job loss strike, the last thing you want to be concerned with is how you’ll pay your mortgage or loan. We can make sure you’re covered with a wide range of payment protection products that will safeguard you and your family from financial loss should difficult times arise.

Mortgage coverage
  • Life
  • Disability
  • Loss of Employment
  • Eligible Critical Illness
Term and Quick Loan coverage
  • Life
  • Disability
  • Eligible critical illness

Review your coverage to match your life today.

From new milestones to unexpected changes, make sure your insurance still protects what matters most.
Learn more

Tools & Advice

Your financial journey deserves more than numbers—get the insights and tools to move forward with confidence.

Calculators

Try a Calculator

Rates

View Rates

Advice Centre

Find Answers & Insights

Why Synergy?

When you choose Synergy Credit Union, you're not just getting a loan—you’re gaining a financial partner that’s deeply invested in your success and your community. 

You Share in the Success

At Synergy, members are owners. That means when the credit union does well, so do you. Through the ProfitShares program, members receive tangible rewards like loan rebates and deposit bonuses—turning your borrowing into a long-term benefit.

Local Decisions, Personalized Support

Lending decisions are made locally by experts who live and work in your community. Whether you're financing a home, consolidating debt, or growing your business, Synergy offers flexible borrowing solutions tailored to your goals—with timely approvals and repayment plans that fit your budget.

Rooted in Community Impact

Synergy lives its values through action. From sponsoring local events to funding scholarships and supporting financial literacy, Synergy reinvests in the places where its members live and work. Borrowing from Synergy means your dollars help build stronger, more resilient communities.

A Voice in Your Financial Future

As a cooperative, Synergy operates on the principle of Democratic Member Control. Every member has a say in how the credit union is run, including electing the Board of Directors. This ensures that your financial institution reflects your values and priorities.
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