At Union Bay Credit Union, we offer a wide variety of personal lending options. Choose an option from the left-hand menu to get started.

Lending services and Fees

• automatic transfer payment options: weekly, bi-weekly, bi-monthly and monthly
• application fee $50
• CreditMaster new advance $175 min. - this includes the title search fee
• commercial loans 1% of value
• letters of credit 1% of value
• annual commercial credit review $150
• 1 year PPSA registration $85 min.
• 2 year PPSA registration $95 min.
• 3 year PPSA registration $105 min.
• 4 year PPSA registration $115 min.
• 5 year PPSA registration $125 min.
• over 5 year PPSA registration $135 min. 
• title search $50
• insurance cancellation $25
• VIN search $25

Real Estate Mortgage Fees

• appraisal at cost
• site survey insurance $100
• credit union inspection fee $75
• member requested mortgage modification $250
• mortgage renewal $85
• duplicate certificate of title $100 plus cost of certificate of title requested from land title office
• solicitor fees at cost
• mortgage discharge $100
• construction mortgage administration fee $500
• mortgage re-advance $200
• mortgage discharge completed by UBCU $125

Delinquent Loan and Mortgage Fees

• late fee $25
• first late payment notice or phone call $10
• second late payment notice $20
• third late payment notice $30
• payment alteration $25
• manual payment on delinquent loan $15