Credit Union Mortgage Rates

This Page's Content Was Last Updated: March 27, 2024
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Credit Unions Across Canada

Credit UnionProvince Served
First Ontario Credit UnionOntario
Kawartha Credit UnionOntario
Meridian Credit UnionOntario
Access Credit UnionManitoba
Assiniboine Credit UnionManitoba
Cambrian Credit UnionManitoba
Steinbach Credit UnionManitoba
Affinity Credit UnionSaskatchewan
Conexus Credit UnionSaskatchewan
Servus Credit UnionAlberta
Coast Capital SavingsBritish Columbia
Prospera Credit UnionBritish Columbia
UNI FinancialNew Brunswick
Below is a list of some of the largest credit unions in each province. However, you can view our page to see a complete list of credit unions across Canada.
Best 5-Year Fixed Mortgage Rates in Canada CanadaLeaf
Mortgage Term:
Fixed
Variable

Ontario
Credit Unions
Ontario

First Ontario Mortgage Rates

First Ontario
Hamilton

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.

LenderTermRate
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0.5-Year Fixed7.84%
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1-Year Fixed6.49%
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2-Year Fixed6.24%
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3-Year Fixed5.39%
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4-Year Fixed5.54%
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5-Year Fixed5.19%
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7-Year Fixed5.94%
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10-Year Fixed6.34%
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5-Year Variable6.60%
* 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
Kawartha

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.

LenderTermRate
* 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.

Meridian Mortgage Rates

Meridian
St. Catharines

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.

LenderTermRate
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0.5-Year Fixed7.84%
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1-Year Fixed7.74%
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2-Year Fixed7.34%
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3-Year Fixed6.94%
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4-Year Fixed6.74%
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5-Year Fixed6.79%
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7-Year Fixed7.10%
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10-Year Fixed7.25%
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5-Year Variable6.70%
* 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.

Manitoba
Credit Unions
Manitoba

Access Credit Union Mortgage Rates

Access Credit Union
Winnipeg

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.

LenderTermRate
* 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.

Assiniboine Credit Union Mortgage Rates

Assiniboine Credit Union
Winnipeg

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.

LenderTermRate
* 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.

Cambrian Credit Union Mortgage Rates

Cambrian Credit Union
Winnipeg

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.

LenderTermRate
* 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.

Steinbach Credit Union Mortgage Rates

Steinbach Credit Union
Steinbach

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.

LenderTermRate
* 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.
Best 5-Year Fixed Mortgage Rates in Canada CanadaLeaf
Mortgage Term:
Fixed
Variable

Saskatchewan
Credit Unions
Saskatchewan

Affinity Credit Union Mortgage Rates

Affinity Credit Union
Saskatoon

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.

LenderTermRate
* 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.

Alberta
Credit Unions
Alberta

Servus Credit Union Mortgage Rates

Servus Credit Union
Edmonton

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.

LenderTermRate
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1-Year Fixed7.74%
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2-Year Fixed7.34%
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3-Year Fixed6.94%
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4-Year Fixed6.74%
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5-Year Fixed4.84%
* 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.

British Columbia
Credit Unions
BC

Coast Capital Savings Mortgage Rates

Coast Capital
Surrey

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.

LenderTermRate
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1-Year Fixed6.59%
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2-Year Fixed6.19%
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3-Year Fixed5.19%
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4-Year Fixed5.09%
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5-Year Fixed4.84%
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6-Year Fixed5.89%
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7-Year Fixed5.89%
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8-Year Fixed5.89%
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9-Year Fixed6.89%
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10-Year Fixed6.89%
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5-Year Variable6.14%
* 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
Surrey

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.

LenderTermRate
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1-Year Fixed6.69%
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2-Year Fixed6.29%
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3-Year Fixed5.39%
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4-Year Fixed5.29%
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5-Year Fixed4.64%
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7-Year Fixed5.69%
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10-Year Fixed5.94%
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5-Year Variable6.00%
* 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.

New Brunswick
Credit Unions
New Brunswick

UNI Financial Mortgage Rates

UNI
Caraquet

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.

LenderTermRate
* 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.
The calculators and content on this page are provided for general information purposes only. WOWA does not guarantee the accuracy of information shown and is not responsible for any consequences of the use of the calculator.