Best Credit Union
Mortgage Rates in Ontario 2026
Compare 5-year fixed mortgage rates at Ontario credit unions. Member-owned cooperatives that hold mortgages in-house, with no shareholder pressure on pricing.
50
Ontario credit unions with published mortgage rates
In-house
most credit unions hold your mortgage rather than selling it
No commissions
rates independently verified, no referral fees
5-year fixed mortgage rates in Ontario
Sorted lowest first. Rates sourced directly from each credit union's official website.
Bay Credit Union Limited
Northern Credit Union Limited
Oshawa Community Credit Union
Your Neighbourhood Credit Union
Libro Credit Union
Mainstreet Credit Union Limited
Smith Falls Community Credit Union Limited
Coast Capital Savings
The Police Credit Union Limited
Meridian Credit Union
Ontario Educational Credit Union Limited
Ontario Provincial Police Association Credit Union Limited
Southwest Regional Credit Union
Caisse Populaire Alliance Limitée
Moya Financial Credit Union Limited
Rates shown are for 5-year fixed conventional mortgages. Actual rates may vary based on loan-to-value, amortization period, and individual qualification. Always confirm the current rate directly with the credit union.
Looking beyond Ontario?
Some credit unions accept members from anywhere in Canada, though mortgage lending may still be limited by property location. Our national mortgage rate rankings include every credit union in our directory.