Best Credit Union
Mortgage Rates in Toronto 2026
Compare 5-year fixed mortgage rates at credit unions serving Toronto. Member-owned cooperatives that hold mortgages in-house, with no shareholder pressure on pricing.
50
credit unions with published mortgage rates available to Toronto 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 Toronto residents
Toronto-headquartered credit unions first, then other Ontario options. Sorted lowest first within each tier.
The Police Credit Union Limited
DUCA Financial Services
Moya Financial Credit Union Limited
Northern Birch Credit Union Limited
Italian Canadian Savings & Credit Union Limited
Resurrection Credit Union Limited
Parama Credit Union Limited
Luminus Financial Services & 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
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 Toronto?
See every credit union serving Ontario, or compare mortgage rates across the whole country.