sascu Apply
Apply for a this credit union product: online applications for chequing, savings, credit card, mortgage, auto loans, and business accounts.
Making Banking Work at Scale: Apply
- One application form covers chequing, savings, cards, mortgage, and auto.
- Eligible members get instant pre-approval for deposit products.
- Lending decisions come back in about 24 hours for complete files.
- Business and farm applications follow the same flow with extra fields.
Apply for Deposit Products
Chequing, savings, TFSA and RRSP accounts are approved instantly, in most cases.
Deposit applications are fully automated: identity verification plus address match earns an instant approval. The account number is delivered within minutes on the completion screen.
Later changes - payroll, direct deposit, card orders - are handled with a quick message in online banking.
Apply for Lending
Mortgage, auto, personal loan, and line of credit applications are decisioned in about 24 hours.
Lending asks for income proof and the purpose of the credit. Auto and personal loan applications include a rate quote that is valid for 30 days before any hard credit pull.
A mortgage application needs the purchase documents from above; business lending adds the business financials section. See mortgage steps for the full checklist.
| Product | Typical decision | Docs needed |
|---|---|---|
| Chequing / savings | Instant | 1 piece of ID |
| Credit card | 5-10 min | ID + income note |
| Auto / personal loan | 24 hours | ID + pay stub |
| Mortgage | 24 hours | ID + income + down payment proof |
| Business loan | 48 hours | ID + financials + T2s |
What Happens After You Apply
You get a confirmation email, a welcome pack, and access to online banking immediately.
Every application lands in the same inbox flow: a confirmation email, your member number, and a secure link to set up online banking. Most filing is complete before you have time for a coffee.
Unlike some banks, there is no application fee and no branch requirement to finish the file.
Key facts at a glance
Four numbers decide most of this decision, and one caveat should always be kept in view.
- Deposit decision: Instant.
- Lending decision: 24 hrs.
- Application fee: $0.
Instant decisions in this page do NOT cover business lending, which routes to a human underwriter. Our first lending flow asked for paper T4s; replacing them with a two-pay-stub upload cut lending abandonment in half.
The official methodology is detailed in the sascu overview.
Consumer protection and credit-union rules are published by the Financial Consumer Agency of Canada.
sascu e-transfer limits fit our print shop payroll, and the app tracks it all.
As a controller I want six fees to audit. sascu has exactly six.