Credit union

DUCA Credit Union mortgage rates

Checked against DUCA Credit Union's own rate page on October 19, 2026: 28 products, lowest fixed offer 4.39% (Low Rate Mortgage — Insured High Ratio — 5 Year Fixed Closed); lowest variable offer 3.90% (Low Rate Mortgage — Insured High Ratio — 5 Year Adjustable).

DUCA publishes insured high-ratio, second-mortgage, co-op and co-ownership pricing across fixed, variable, adjustable and open terms.

Visit the official lender website

Distinct products: 28
Published pricing rows: 28
Published regions: Ontario
Last checked: October 19, 2026

Qualification and structure signals present in the public records

Categories: Variable, Fixed, Residential
Positions: First, Second
Term range: 6–60 months
LTV and fee coverage: Up to 95% LTV · fees shown on 28 of 28 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 DUCA Credit Union

Lender profile reviewed August 31, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 5 Year Adjustable

Published rate

3.90%

Term / position: 5 years · First
Checked: October 19, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 3 Year Adjustable

Published rate

4.15%

Term / position: 3 years · First
Checked: October 19, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 5 Year Variable

Published rate

4.29%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

Low Rate Mortgage — Insured High Ratio — 5 Year Fixed Closed

Published rate

4.39%

Term / position: 5 years · First
Checked: October 19, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 3 Year Variable

Published rate

4.45%

Term / position: 3 years · First
Checked: October 19, 2026

Fixed

Low Rate Mortgage — Insured High Ratio — 3 Year Fixed Closed

Published rate

4.49%

Term / position: 3 years · First
Checked: October 19, 2026

Fixed

Low Rate Mortgage — Insured High Ratio — 4 Year Fixed Closed

Published rate

4.69%

Term / position: 4 years · First
Checked: October 19, 2026

Fixed

First Rate Second Mortgage — 3 Year Fixed Closed

Published rate

4.79%

Term / position: 3 years · Second
Checked: October 19, 2026

Variable

First Rate Second Mortgage — 5 Year Adjustable

Published rate

4.85%

Term / position: 5 years · Second
Checked: October 19, 2026

Variable

First Rate Second Mortgage — 5 Year Variable

Published rate

5.00%

Term / position: 5 years · Second
Checked: October 19, 2026

Fixed

Low Rate Mortgage — Insured High Ratio — 2 Year Fixed Closed

Published rate

5.04%

Term / position: 2 years · First
Checked: October 19, 2026

Fixed

First Rate Second Mortgage — 5 Year Fixed Closed

Published rate

5.09%

Term / position: 5 years · Second
Checked: October 19, 2026

Variable

First Rate Second Mortgage — 3 Year Adjustable

Published rate

5.10%

Term / position: 3 years · Second
Checked: October 19, 2026

Fixed

Low Rate Mortgage — Insured High Ratio — 1 Year Fixed Closed

Published rate

5.14%

Term / position: 1 year · First
Checked: October 19, 2026

Fixed

Co-op and Co-ownership Mortgage — 3 Year Fixed Closed

Published rate

5.19%

Term / position: 3 years · First
Checked: October 19, 2026

Variable

First Rate Second Mortgage — 3 Year Variable

Published rate

5.25%

Term / position: 3 years · Second
Checked: October 19, 2026

Fixed

First Rate Second Mortgage — 4 Year Fixed Closed

Published rate

5.39%

Term / position: 4 years · Second
Checked: October 19, 2026

Fixed

Co-op and Co-ownership Mortgage — 5 Year Fixed Closed

Published rate

5.49%

Term / position: 5 years · First
Checked: October 19, 2026

Fixed

First Rate Second Mortgage — 2 Year Fixed Closed

Published rate

5.74%

Term / position: 2 years · Second
Checked: October 19, 2026

Fixed

Co-op and Co-ownership Mortgage — 4 Year Fixed Closed

Published rate

5.79%

Term / position: 4 years · First
Checked: October 19, 2026

Fixed

First Rate Second Mortgage — 1 Year Fixed Closed

Published rate

5.84%

Term / position: 1 year · Second
Checked: October 19, 2026

Fixed

Co-op and Co-ownership Mortgage — 2 Year Fixed Closed

Published rate

6.14%

Term / position: 2 years · First
Checked: October 19, 2026

Fixed

Co-op and Co-ownership Mortgage — 1 Year Fixed Closed

Published rate

6.24%

Term / position: 1 year · First
Checked: October 19, 2026

Residential

Co-op and Co-ownership Mortgage — 1 Year Open

Published rate

9.99%

Term / position: 1 year · First
Checked: October 19, 2026

Residential

Co-op and Co-ownership Mortgage — 6 Month Convertible

Published rate

9.99%

Term / position: 6 months · First
Checked: October 19, 2026

Residential

First Rate Second Mortgage — 1 Year Open

Published rate

9.99%

Term / position: 1 year · Second
Checked: October 19, 2026

Residential

First Rate Second Mortgage — 6 Month Convertible

Published rate

9.99%

Term / position: 6 months · Second
Checked: October 19, 2026

Residential

Low Rate Mortgage — Insured High Ratio — 6 Month Convertible

Published rate

9.99%

Term / position: 6 months · First
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.

September 29, 2026Co-op and Co-ownership Mortgage — 1 Year Fixed Closed6.14% changed to 6.24%
September 29, 2026Co-op and Co-ownership Mortgage — 2 Year Fixed Closed6.04% changed to 6.14%
September 29, 2026Co-op and Co-ownership Mortgage — 3 Year Fixed Closed5.59% changed to 5.19%
September 29, 2026Co-op and Co-ownership Mortgage — 4 Year Fixed Closed5.69% changed to 5.79%
September 29, 2026Co-op and Co-ownership Mortgage — 5 Year Fixed Closed5.39% changed to 5.49%
September 29, 2026First Rate Second Mortgage — 1 Year Fixed Closed5.74% changed to 5.84%
September 29, 2026First Rate Second Mortgage — 2 Year Fixed Closed5.64% changed to 5.74%
September 29, 2026First Rate Second Mortgage — 3 Year Fixed Closed5.19% changed to 4.79%
September 29, 2026First Rate Second Mortgage — 4 Year Fixed Closed5.29% changed to 5.39%
September 29, 2026First Rate Second Mortgage — 5 Year Fixed Closed4.99% changed to 5.09%
September 29, 2026Low Rate Mortgage — Insured High Ratio — 1 Year Fixed Closed5.04% changed to 5.14%
September 29, 2026Low Rate Mortgage — Insured High Ratio — 2 Year Fixed Closed4.94% changed to 5.04%

The 12 most recent of 15 recorded changes.

Source and methodology

Official credit-union mortgage rate 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.