Credit union
Alterna Savings mortgage rates
Checked against Alterna Savings's own rate page on October 19, 2026: 9 products, lowest fixed offer 4.59% (3 Year Fixed Closed High-Ratio); lowest variable offer 3.70% (5 Year Smart Start High-Ratio Variable Closed).
Alterna Savings publishes a lender-hosted mortgage pricing page with the rate, term and qualification context used for this public listing.
Visit the official lender website opens in a new tab- Distinct products
- 9
- Published pricing rows
- 9
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Variable, Fixed
- Positions
- First mortgage
- Term range
- 1–5 years
- LTV and fee coverage
- Up to 80% LTV · fees shown on 9 of 9 rows
These are published fields, not an underwriting model. Credit, income, property, location and transaction details can still change eligibility or pricing.
Published pricing
Mortgage products from Alterna Savings
Lender profile reviewed September 1, 2026
Variable
5 Year Smart Start High-Ratio Variable Closed
Published rate
3.70% interest · 3.74% APR
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Variable
5 Year Signature Variable Closed
Published rate
4.15% interest · 4.19% APR
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Fixed Closed High-Ratio
Published rate
4.59% 3-year fixed closed high-ratio
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Smart Start High-Ratio Fixed Closed
Published rate
4.69% interest · 4.73% APR
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Signature Fixed Closed
Published rate
4.94% interest · 5.00% APR
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Signature Fixed Closed
Published rate
5.04% interest · 5.09% APR
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Signature Fixed Closed
Published rate
5.04% interest · 5.08% APR
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year Signature Fixed Closed
Published rate
5.39% interest · 5.48% APR
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Signature Fixed Closed
Published rate
5.69% interest · 5.87% APR
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Record history
Each line is a check at which the figure recorded here changed: the lender moved its rate, or an earlier record was corrected. History starts with the first full source check on September 29, 2026.
- October 13, 20263 Year Signature Fixed Closed4.69% interest · 4.75% APR changed to 4.94% interest · 5.00% APR
- October 13, 20264 Year Signature Fixed Closed4.99% interest · 5.04% APR changed to 5.04% interest · 5.09% APR
- October 13, 20265 Year Signature Fixed Closed4.74% interest · 4.78% APR changed to 5.04% interest · 5.08% APR
- October 13, 20265 Year Smart Start High-Ratio Fixed Closed4.44% interest · 4.48% APR changed to 4.69% interest · 4.73% APR
- October 12, 20263 Year Fixed Closed High-Ratio4.29% 3-year fixed closed high-ratio changed to 4.59% 3-year fixed closed high-ratio
- September 29, 20263 Year Fixed Closed High-Ratio3.99% 3-year fixed closed high-ratio changed to 4.29% 3-year fixed closed high-ratio
- September 29, 20263 Year Signature Fixed Closed4.39% interest · 4.45% APR changed to 4.69% interest · 4.75% APR
- September 29, 20264 Year Signature Fixed Closed5.04% interest · 5.09% APR changed to 4.99% interest · 5.04% APR
- September 29, 20265 Year Signature Fixed Closed4.44% interest · 4.48% APR changed to 4.74% interest · 4.78% APR
- September 29, 20265 Year Smart Start High-Ratio Fixed Closed4.14% interest · 4.18% APR changed to 4.44% interest · 4.48% APR
Source and methodology
Official lender-hosted public mortgage pricing page. Product cards group public rows by lender and product name. The smallest displayed rate is a navigation label only; open the product record to match the relevant credit, property, LTV, term and fee row.