Member Assistance Services (MAS)

MAS combines our commitment to mutual aid with the resources of a vibrant credit union. The result is a unique program that responds to needs within our communities and promotes sharing and acts of compassion.

MAS provides our members with the opportunity to both offer and access financial assistance in times of need. Transactions are kept private and confidential.

Crisis Care GICs and Loans

Crisis Care Loans offers temporary relief at reduced interest rates to eligible Kindred members when they experience financial hardship or distress. Members can support these loans through non-registered GICs!

  • A Kindred lender may apply for loan assistance on behalf of a member when financial hardship or distress arises.
  • Interest rates may be reduced to as low as 0%, depending on individual circumstances.
  • Loans are reviewed at least annually.
  • Below market GIC interest rates are determined at the time of opening.
  • Members may specify the length of the term and investments may be redeemed or adjusted to market rates at any time, regardless of the maturity.

Partnership GICs and Loans

Partnership Loans may be made to specific individuals or charitable organizations. Members are offered the ability to designate a GIC to fund these loans.

  • With the exception of spouses, loans may be for family members, friends, churches, and other charitable organizations.
  • Loans are subject to an administration fee.
  • Loans are reviewed at least annually.
  • Non-registered GICs, including RRSPs*, or RRIFs*, may be offered as security for a loan, or they may simply be used to offset the lower interest rate, and / or a combination of both.
  • Terms on deposits must be a minimum of one year.

*RRSP and RRIF deposits may only be designated to assist a registered charitable organization and cannot be used for security.

If you would like more information on Member Assistance Services, please contact your local branch and speak with a member of our Lending team or Financial Planning team.

Inspiring prosperous communities focuses on individuals or groups within a community bearing one another’s burdens, helping each other out in times of need. From its earliest days, Kindred has referred to this practice as mutual aid and we seek to encourage this support among our membership. Mutual aid includes supporting disaster relief efforts, faith-based schools, seniors' homes, and the work of the church in our communities. Member Assistance Services (MAS) is an example of a unique program that reflects this element of Kindred’s purpose.

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