Student Life Doesn’t Need to Be a Debt Sentence.
As a student, you've got a lot going on.
Let’s make the banking part of adulting easier: don’t pay fees that you don’t have to. If you’re in college, university, trade school, full time or part time, you can save more of your money for the fun stuff with special student banking options, like:
A Free No Fees For Me™ chequing account
Student Loan at a low Prime + 0%* interest rate
Student Line of Credit at a low Prime + 0%* interest rate
No Fee Student Visa* Card
Free, values-based financial plan when you meet with our advisors to set you up for success on saving for your future dreams.
Tax-Free Savings Accounts (TFSAs)
Why Choose First Calgary? We put members first. Always.
?Did You Know
If you’re planning to travel before, during or right after university or college, we think that’s pretty great. Make a savings plan that will get you get you there.
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No fees for Me™
Don’t pay banking fees when you don’t have to. The No Fees For Me™ chequing account is completely free, with no strings attached, and no minimum balance required. Oh, and we offer a 100% deposit and interest guarantee!* (pssst...that’s unique to credit unions)
Get peace of mind with a Student Loan at a low prime interest rate, up to four years of interest-only payments while you're in school, and a six month grace period after graduation before you have to start paying down the principal. You’ll have up to a 10-year amortization period to pay back the loan, and interest will not increase after graduation.
If you choose to pay down the principal or even pay off the entire lump sum, you can do that anytime - without penalty!
Student Line of Credit*
Use a flexible Student Line of Credit to pay for tuition, rent, meal plans, textbooks and your other student living expenses! You’re only charged interest on what you borrow, and there are no annual or monthly fees. When you link your Line of Credit to your No Fees For Me™ account, it will automatically cover your overdrafts to save you even more in interest payments when you have don’t chequing funds available. You only have to apply once and the money is there for you when you need it.
No Fee Student Visa*
Enjoy Purchase Protection and Extended Warranty with this handy no annual fee student credit card from Collabria, our credit card provider. You’ll also get lost/stolen card assistance and emergency cash and card replacement assistance. Purchase interest: 11.90%. Cash advances: 11.90%.
Free Financial Plan*
It’s never too early to start building a nest egg for your next big dream. Whether you’re dreaming of travel, starting up a business, buying a car or a condo...or you want to save a million before you hit 55, we can help you get there. Book an appointment and ask about our socially responsible investment options.
Tax-Free Savings Accounts (TFSAs)*
Sometimes you need a flexible way to save… a way that keeps your money working hard by earning you tax-free interest income AND that lets you access your money when you need to. TFSAs offer you great rates, have no fees or service charges (as long as you’re saving with us!), and no minimum balance is required to get started.
Cash Crunch Loan*
If times get tough, and you find yourself living paycheque to paycheque, a high interest payday loan is NOT your only option. Get your budget back on track with this fair and flexible micro loan.
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