PERSONAL LOANS
Get a variable or fixed rate loan at a competitive rate DUCA PRIMELINE LOC
A convenient way to borrow without having to reapply DUCA STUDENT PRIMELINE LOC
A revolving line of credit at Prime for students MASTERCARD(R)
A wide range of credit card products with the benefit of Choice Rewards

FIXED RATE CLOSED MORTGAGES
Competitive rates on terms from 6 months to 5 years VARIABLE RATE MORTGAGES
Take advantage of declining rates and lock in at any time FLEX MORTGAGES
Choose up to four different mortgage products with one application FIRST RATE 2ND MORTGAGES
Use the good equity in your home to finance whatever you want MINI MORTGAGES
A unique financing method with access up to $100,000 RE-ADVANCE CLAUSE
A great option for new mortgage holders MORTGAGE RE-FINANCE PRODUCT(R)
Obtain a new mortgage without incurring legal fees

NON-REDEEMABLE TERM DEPOSITS
Invest a minimum of $500 and get a guaranteed return REDEEMABLE TERM DEPOSITS
Ideally suited for members who prefer the flexibility of short-term deposits DUCA PRIME DEPOSITS
Take advantage of increasing interest rates CASHABLE TERM DEPOSITS
Redeem your term deposit once per year without penalty FLEX STEP UP TERM DEPOSITS/RRSPs
Maximize your investment returns while minimizing your interest rate risk LIMITED TIME PREFERRED DEPOSITS
Get a guaranteed return at preferred rate on large sum deposits MUTUAL FUNDS
Create an investment portfolio that works harder for you ESTATE AND TRUST SERVICES
Get your estate in order with proper legal documentation

RRSPs
Save for retirement and enjoy tax-sheltered savings RRIFs
Control your finances during your retirement years RESPs
Save for a child's college or university education LRIFs
Benefit from tax sheltered investment growth

HOME AND AUTO INSURANCE
Affordable coverage options to protect what's important to you CUMIS TELELIFE
Fast, friendly, convenient way to buy life insurance CREDIT CARD BALANCE PROTECTION PROGRAM
Ensure your credit card purchases are covered GROUP MORTGAGE
A full range of premium coverage options for your home MEMBERS TERM LIFE
Protection for your hardest working asset – your business MONTHLY PREMIUM CREDIT LIFE & DISABILITY PROGRAMS
Protect your loans and lines of credit TRAVEL INSURANCE
The most important thing you’ll pack when you’re away from home

COMMERCIAL ACCOUNT
A wide range of features and benefits at the lowest possible cost COMMERCIAL LOANS & MORTGAGES
Products to help you keep pace with your business MONERIS SOLUTIONS
Credit and debit card payment acceptance