Online Banking


Use the SPARK Powerlines of Credit for:

Use for bill payments and emergency expenses

Bill Payments and Emergency Expenses

Use for home repairs and renovations

Home Repairs and Renovations

use for Auto Repairs and Purchases

Vehicle Purchase and Repairs





Be ready for whatever life has in store.

Let SPARK give you peace of mind with low-cost access to funds when you need it. With our exclusive preferred pricing, you'll get a 1% discount off our SPARK Powerline of Credit rates*.

Your preferred pricing applies to:
  • The SPARK Powerline Home Equity Line of Credit, as low as 2.45%*
  • The SPARK Powerline Consumer Line of Credit, as low as 5.45%*
Preferred Pricing Options
Use for Home Renovations

Benefit from:

  • Exclusive rates as low as 2.45%* to help you save big on borrowing costs
  • Flexibility to use your funds for whateve you need, whether it's simplifying your bills, home improvements, or emergency expenses
  • Payment options to fit your budget, including interest-only payments
  • Easy access to funds
Bank local. Bank with SPARK.

Why Bank with SPARK?

When you bank with us, you're more than just a customer; you're a member-owner. You get a share in our profits, a say in how we're run, and exceptional service from people who care about your financial success. You'll get access to our full suite of financial solutions to meet every need, no matter where you are in life.

Feel good knowing you're supporting a local institution that's invested in the well-being of your community.

Get this CSU 52 exclusive offer in four easy steps!

Apply now

Apply Now

You'll be redirected to our online loan application tool.
Tell us about yourself

Tell Us About Yourself

We'll ask some questions about you and your finances. So that we can serve you efficiently, please make sure you provide as much detail as possible.
Choose Line of Credit for Credit Type

Choose "Line of Credit" for Credit Type

You'll see a pre-set rate for LOCs, which is for illustrative purposes only. Your promotional rate will be applied once your LOC is opened.
Submit your application

Submit Your Application

Complete the rest of your application and we will get back to you within 2-4 business days.






Check out our other CSU 52 exclusive offers!

Whether you're looking to buy a new home, transfer or refinance your mortgage, or you're simply in the market for a day-to-day bank account that saves you money on fees - SPARK has the financial solutions to meet your needs. Take a look at some of our most popular products and learn more about exclusive pricing available to CSU 52 members.


5 Year Mortgage at 2.24%*

Get this unbelievably low rate when you purchase a new home, refinance an existing mortgage, or transfer a mortgage to SPARK.


Learn more


No-Fee Chequing Account

Open a SPARK No-Fee Chequing account and get unlimited transactions, including e-transfers, point-of-sale and ATM withdrawals.

Learn more

Terms and Conditions Expand/Collapse

*Offer subject to change without notice, and may be withdrawn if applicant does not meet SPARK’s standard lending criteria. See  terms and conditions below for additional offer details.

The displayed rate of 2.45% for SPARK Powerline Home Equity Lines of Credit (“HELOC”) is based on the 12-month promotional HELOC offer of Prime + 0%. This offer is valid for the first 12 months following the opening of your SPARK Powerline HELOC. After the 12-month promotional period, your SPARK Powerline HELOC rate will be automatically adjusted to the standard posted SPARK Powerline HELOC rate, which can be found at sparkcu.ca/rates. The interest rate on your SPARK Powerline Home Equity Line of Credit is set out in your Home Equity Line of Credit Agreement and is expressed as a variable interest rate per year equal to the SPARK Prime Rate plus or minus an adjustment factor and will vary automatically when SPARK’s Prime Rate changes. Additional fees may apply.

The displayed rate of 5.45% for the SPARK Consumer Line of Credit (“LOC”) is for illustrative and educational purposes only and is subject to change. This rate is based on the 12-month promotional Consumer LOC †offer of a 1.00% discount for a period of 12 months following the opening of your SPARK Powerline Consumer LOC. Your actual Annual Percentage Rate (APR) may be higher than the rates shown. APR is variable based on the SPARK The Energy Credit Union Prime + 4.00% to Prime +15.00%. Your APR is based on the specific characteristics of your credit application including, but not limited to; evaluation of credit history, amount of credit requested, and (if secured) property type, lien position, combined loan-to-value, and/or geographic location. APR does not include additional fees and charges that may be applicable. After the 12-month promotional period, your SPARK Powerline Consumer LOC rate will be automatically adjusted to a standard SPARK Powerline Consumer LOC rate which will be disclosed to you in your Line of Credit Agreement. This rate is expressed as a variable interest rate per year equal to the SPARK Prime Rate plus or minus an adjustment factor and will vary automatically when SPARK’s Prime Rate changes. Additional fees may apply.

As of May 5, 2020, the SPARK Prime Rate is 2.45%. “Prime Rate” is the prime lending rate published from time to time by SPARK and is subject to change without notice. You can find SPARK’s current Prime Rate at sparkcu.ca/rates.

† Learn more about this offer's terms and conditions by visiting the CSU 52 Exclusive 5 Year Fixed Mortgage Offer Page.