Loans & Mortgages
Grow your business with financing solutions and local support tailored to the Annapolis Valley, Nova Scotia.
Your Partner in Building Local Business Success
Commercial Mortgages
Equipment Loans
Operating Loans
Keep it Here
Small Business Loan Guarantee Program
Turn your business goals into reality with the Nova Scotia's Small Business Loan Guarantee Program. Exclusively available through participating credit unions, this program is designed to support small businesses and early-stage startups with financing to start, purchase, or grow a business.
With access to term loans, working capital, and lines of credit, local entrepreneurs can get the support they need to strengthening communities across Nova Scotia. Speak with us to learn more and see if you qualify.
Select Image
Strengthening Our Community Together
For the People. Not for Profit.
Personalized Partnerships
We'll get to know you, your business, and your goals. We support local businesses with loans that help them drive local growth.
Fast Approvals
Local decision-making, based on Atlantic realities. We know the Valley and we understand the land.
Local Helping Local
Our members' money stays local, reinvested to strengthen our community.
Not sure which financing solution is right for your business?
We’ll be happy to help you pinpoint the option that best suits your business needs.
Select Image
Get More from Your Credit Union
We're committed to the place we call home – this is how we build and strengthen our community. Valley CU proudly supports over 24 non-profits each year. A big thank you to these organizations and the volunteers who make our community extraordinary, benefiting us all.
Financing Rates
Take a look at the latest, competitive rates on offer for our financing solutions.
Select Image
Head Office Contact Information
Main Telephone Number: 902-538-4510 or Toll Free 1-866-990-4044
Valley Credit Union Limited 5682 Hwy 1, Waterville Nova Scotia B0P 1V0
Holiday Hours
Valley Credit Union Limited (Valley CU) is a member of the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC), which at $250,000, provides the highest deposit insurance protection in Nova Scotia, Canada. Mortgage License #3000173
© Copyright 2026 Valley Credit Union Ltd. All rights reserved. Serving members in the Nova Scotia Western Zone or Annapolis Valley Region, including but not limited to Annapolis County, Kings County, and Hantsport in West Hants County.
® / ™ Trademarks are owned by, or use is authorized by, the Canadian Credit Union Association and Atlantic Central.
