Dream One

This innovative way to manage your money could save you tens of thousands of dollars in interest, without increasing your monthly payments — and you could be debt-free years sooner.

Dream One is for real. Save a significant amount of money with Our Dream One account. By bringing all your accounts together, we can apply the money you have on deposit against your debt. Money on deposit is still yours to spend — but, until you do, it reduces the amount you owe. You pay interest on a smaller balance owing, and you pay it at a lower overall rate. It’s that simple.


If you’re a typical member, you have a variety of accounts with us — some with positive balances (chequing and savings accounts, for example), and some with negative balances (any kind of loan, including mortgages, consumer or auto loans, lines of credit and so on). Each loan is handled in isolation from your other accounts, and each has its own payback terms and rate of interest.

Dream One brings all your accounts together, except registered accounts (RRSPs, RESPs, RRIFs) and Tax-Free Savings Accounts (TFSAs). This leaves you with a single overall balance — all your debt, less all the money you have on deposit at any given time. Your ‘balance owing’ — the amount of money you pay interest on — will fluctuate day-by-day, with every transaction you conduct. Overall, though, it will be less than before, because the amount you owe has been ‘reduced’ to reflect the funds you have on deposit.


Interest rates for borrowing can vary quite a bit, depending on the type and term of the loan, market conditions at the time it was opened, whether the rate is fixed or variable, and other factors. Rates for consumer and auto loans are typically a little higher, while mortgages — because they’re backed by significant collateral (your house) — will usually be lower.

Under the Dream One model, you pay the same rate of interest on your entire balance owing — and, overall, it will be lower than what you’re paying now… it could even be lower than your current mortgage!

Call us today to see what the Dream One account can do for you!

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