Best Credit Union
Mortgage Rates in Ottawa 2026
Compare 5-year fixed mortgage rates at credit unions serving Ottawa. Member-owned cooperatives that hold mortgages in-house, with no shareholder pressure on pricing.
50
credit unions with published mortgage rates available to Ottawa residents
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 for Ottawa residents
Ottawa-headquartered credit unions first, then other Ontario options. Sorted lowest first within each tier.
Ukrainian Credit Union Limited
Alterna Bank
Alterna Savings
Buduchnist Credit Union Limited
Frontline Financial Credit Union Limited
Bay Credit Union Limited
Your Neighbourhood Credit Union
Northern Credit Union Limited
Mainstreet Credit Union Limited
Smith Falls Community Credit Union Limited
Oshawa Community Credit Union
Libro Credit Union
The Police Credit Union Limited
Southwest Regional Credit Union
Ontario Provincial Police Association 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 Ottawa?
See every credit union serving Ontario, or compare mortgage rates across the whole country.