Credit Union Mortgage Rates

Credit Unions Across Canada

First Ontario Mortgage Rates

FirstOntario Credit Union is the sixth largest credit union in Ontario, and it has a strong presence in Hamilton, Niagara, and the surrounding regions. FirstOntario Credit Union mortgages are only available for properties located within Ontario. FirstOntario offers fixed-rate, variable-rate, convertible, and high ratio mortgages, with terms of up to seven years.

Insured

(e.g. down payment<20%)

Insurable

(e.g. home<$1M & amortization≤25-yr)

Uninsurable

(e.g. home ≥ $1M & down payment ≥ 20%, or refinances)

Posted

(non-discounted rate)

Lender	Term	Rate
	6-Month Fixed	6.09%
	1-Year Fixed	5.19%
	2-Year Fixed	4.69%
	3-Year Fixed	4.59%
	4-Year Fixed	4.79%
	5-Year Fixed	3.89%
	7-Year Fixed	5.29%
	10-Year Fixed	5.49%
	5-Year Variable	4.55%
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at anytime and may be applicable only to certain borrowers. Terms and conditions apply.

Kawartha Credit Union Mortgage Rates

Kawartha Credit Union has 22 branches in Ontario stretching from Cornwall to Parry Sound, with a particular focus on Peterborough and Kingston. You’ll need to be an Ontario resident in order to be eligible for a mortgage with Kawartha Credit Union. Kawartha offers fixed-rate and variable mortgages alongside readvanceable mortgages, agricultural mortgages, and CMHC improvements mortgages.

Meridian Mortgage Rates

With over 92 branches in Ontario, Meridian Credit Union is Canada’s second largest credit union. Meridian’s large number of mortgage products include high ratio mortgages, construction mortgages, all-in-one mortgages combined with a HELOC, self-employed mortgages, and hybrid mortgages. Meridian mortgages are only available for Ontario residents.

Insured

(e.g. down payment<20%)

Insurable

(e.g. home<$1M & amortization≤25-yr)

Uninsurable

(e.g. home ≥ $1M & down payment ≥ 20%, or refinances)

Posted

(non-discounted rate)

Lender	Term	Rate
	3-Year Fixed	3.79%
	5-Year Fixed	3.89%
	5-Year Variable	4.04%
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at anytime and may be applicable only to certain borrowers. Terms and conditions apply.

Access Credit Union Mortgage Rates

Access Credit Union offers mortgages only to residents of Manitoba through their large number of branches in Winnipeg and central Manitoba. Alongside traditional mortgages, Access Credit Union also offers home renovation loans, vacation property mortgages, and builder's mortgages.

Assiniboine Credit Union Mortgage Rates

Assiniboine Credit Union is the second largest credit union in Manitoba, with branches around the Winnipeg area. Assiniboine is only open to residents of Manitoba. Assiniboine offers high-ratio mortgages, construction mortgages, self-employed mortgages, investment property mortgages, vacation property mortgages, Islamic mortgages, commercial mortgages, and home renovation mortgages.

Cambrian Credit Union Mortgage Rates

Cambrian Credit Union has 12 branches in the Winnipeg area, with mortgages only available for Manitoba residents. Cambrian makes it easy to build a custom home with a builder’s mortgage. Cambrian also offers investment property mortgages, residential rental property mortgages, mortgages to purchase cottages, and bridge financing.

Steinbach Credit Union Mortgage Rates

Steinbach Credit Union (SCU) is the largest credit union in Manitoba and one of the largest in Canada. Open only to residents of Manitoba, Steinbach offers new to Canada mortgages with no income verification, self-build and contract-build mortgages, rental property mortgages, renovation mortgages, commercial mortgages, and vacation property mortgages, along with variable capped mortgage rates.

Affinity Credit Union Mortgage Rates

Affinity Credit Union is the 11th largest credit union in Canada, and is only open to residents of Saskatchewan. Affinity offers personal mortgages, commercial mortgages, and agriculture mortgages. For personal mortgages, you can choose between open, closed, and flexible mortgages, an all-in-one mortgage that allows you to combine other loans and products all into one mortgage, and an automatically re-advancing HELOC.

Servus Credit Union Mortgage Rates

Servus Credit Union, the largest credit union in Alberta, was formed with the merger of several smaller credit unions in 2008. Apart from its Edmonton office, the credit union also has offices in Lloydminster and Red Deer. To get a mortgage from Servus Credit Union, one must be a credit union member. The credit union offers fixed-rate open and closed mortgages with terms ranging from 6 months to 5 years.

Insured

(e.g. down payment<20%)

Insurable

(e.g. home<$1M & amortization≤25-yr)

Uninsurable

(e.g. home ≥ $1M & down payment ≥ 20%, or refinances)

Posted

(non-discounted rate)

Lender	Term	Rate
	1-Year Fixed	6.09%
	2-Year Fixed	5.74%
	3-Year Fixed	6.04%
	4-Year Fixed	5.99%
	5-Year Fixed	3.99%
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at anytime and may be applicable only to certain borrowers. Terms and conditions apply.

Coast Capital Savings Mortgage Rates

Coast Capital Savings is the largest credit union in Canada based on the number of members and the third largest in terms of assets. The credit union is headquartered in Surrey and has branches across Metro Vancouver, Fraser Valley, Vancouver Island and Okanagan. The credit union offers fixed-rate mortgages for terms ranging from 1 year to 10 years and variable-rate mortgages for 1-year and 5-year terms in the province of British Columbia.

Insured

(e.g. down payment<20%)

Insurable

(e.g. home<$1M & amortization≤25-yr)

Uninsurable

(e.g. home ≥ $1M & down payment ≥ 20%, or refinances)

Posted

(non-discounted rate)

Lender	Term	Rate
	5-Year Fixed	3.94%
	5-Year Variable	4.14%
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at anytime and may be applicable only to certain borrowers. Terms and conditions apply.

Prospera Credit Union Mortgage Rates

Prospera Credit Union is the fourth largest credit union in British Columbia, based on the number of members. The credit union is based out of Surrey and offers its services to its members across B.C. Prospera Credit Union offers 1-year open mortgages and closed mortgages with terms ranging from 1 year to 10 years. Prospera Credit Union offers both fixed and variable-rate mortgages.

Insured

(e.g. down payment<20%)

Insurable

(e.g. home<$1M & amortization≤25-yr)

Uninsurable

(e.g. home ≥ $1M & down payment ≥ 20%, or refinances)

Posted

(non-discounted rate)

Lender	Term	Rate
	1-Year Fixed	5.24%
	2-Year Fixed	4.64%
	3-Year Fixed	4.29%
	4-Year Fixed	4.29%
	5-Year Fixed	3.94%
	7-Year Fixed	4.94%
	10-Year Fixed	5.19%
	5-Year Variable	4.20%
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at anytime and may be applicable only to certain borrowers. Terms and conditions apply.

UNI Financial Mortgage Rates

Founded in 1946 to cater to the Francophone Acadian population of New Brunswick, UNI Financial is the largest credit union in the province. The credit union is headquartered in Caraquet, New Brunswick and has offices mainly in the east and north of New Brunswick. The credit union offers residential mortgage loans with terms ranging from 6 months to 10 years. UNI Financial offers both open and closed mortgages.