Credit Union Mortgage Rates

Easily compare credit union mortgage rates in Ontario and across Canada.

Credit unions are known for their local focus and close relationships with members. They regularly distribute profits to their member base and the community, which aligns very well with Altrua Financial’s philosophy as mortgage brokers. 

Ontario Credit Union Mortgage Rates

• Desjardins
• Meridian
• Alterna
• First Ontario
• DUCA

BC Credit Union Mortgage Rates

• Van City
• First West/ Valley First
• Coast Capital
• Prospera
• Interior Savings

Alberta Credit Union Mortgage Rates

• Servus Credit Union
• Bow Valley Credit Union
• Connect First
• Vision Credit Union
• 1st Choice Savings

Manitoba Credit Union Mortgage Rates

• SCU
• Assiniboine
• Cambrian
• Access Credit Union
• Sunrise Credit Union

Compare mortgage rates and reviews for the leading Credit Unions in Ontario

As credit unions in Ontario are regulated provincially by FSRA, there are several interesting services, such as unlimited loss protection on registered deposits and some mortgage rates that are not subject to the stress test. 

Desjardins Rates

Desjardins is the largest Credit Union in Canada and the second largest in Ontario, with 7.5 million members and over $407 billion in asset management. They have returned $518 million to members and the community. Desjardins refers to itself as a financial cooperative that is comprised of credit unions and other financial holdings in Ontario and Quebec. They offer diverse banking, insurance and mortgages with some of the lowest mortgage rates from credit unions in Ontario and Quebec. 

Meridian Rates

Meridian is the largest Credit Union in Ontario, with over 370,000 members as of 2023. Meridian caters to its members through comprehensive banking and some of the best credit union mortgage rates. Members have access to 89 branches and have support from over 2,000 employees. 

Alterna Rates

Alterna Credit Union is one of the most progressive and fastest growing in Ontario. With over 217,000 members and $10 Billion in assets under management, its success is not surprising. Alterna is a go-to lender for highly competitive mortgage rates, and there are often periods when Alterna provides the very lowest mortgage rates in Ontario.

First Ontario Rates

First Ontario may not be the largest credit union in Ontario, but it bigger doesn’t mean better. With over 126,000 members, the credit union is large enough to be competitive, with some of the leading and most flexible mortgage products, but small enough to maintain a close member relationship. First Ontario is focused on the Niagra Region with several new branches in the area, but offers mortgage approvals across southern Ontario.

DUCA Rates

DUCA is widely known across in Toronto, with 18 locations across GTA. It is one of the most socially oriented credit unions in Ontario with a B-corp certification. It offers highly competitive mortgage rates and flexible terms and conditions for applications of all types, including home purchase, mortgage refinance and commercial lending.