Credit union

DUCA Credit Union mortgage rate records

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
Latest record: August 31, 2026

Qualification and structure signals present in the public records

Categories: Variable, 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

Public profile checked August 31, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 5 Year Adjustable

Smallest displayed row

3.90%

Term / position: 60–60 months · First
Rows / record date: 1 row · August 31, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 3 Year Adjustable

Smallest displayed row

4.15%

Term / position: 36–36 months · First
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

4.29%

Term / position: 60–60 months · First
Rows / record date: 1 row · August 31, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 5 Year Variable

Smallest displayed row

4.29%

Term / position: 60–60 months · First
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

4.39%

Term / position: 36–36 months · First
Rows / record date: 1 row · August 31, 2026

Variable

Low Rate Mortgage — Insured High Ratio — 3 Year Variable

Smallest displayed row

4.45%

Term / position: 36–36 months · First
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

4.59%

Term / position: 48–48 months · First
Rows / record date: 1 row · August 31, 2026

Variable

First Rate Second Mortgage — 5 Year Adjustable

Smallest displayed row

4.85%

Term / position: 60–60 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

4.94%

Term / position: 24–24 months · First
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 5 Year Fixed Closed

Smallest displayed row

4.99%

Term / position: 60–60 months · Second
Rows / record date: 1 row · August 31, 2026

Variable

First Rate Second Mortgage — 5 Year Variable

Smallest displayed row

5.00%

Term / position: 60–60 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

5.04%

Term / position: 12–12 months · First
Rows / record date: 1 row · August 31, 2026

Variable

First Rate Second Mortgage — 3 Year Adjustable

Smallest displayed row

5.10%

Term / position: 36–36 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 3 Year Fixed Closed

Smallest displayed row

5.19%

Term / position: 36–36 months · Second
Rows / record date: 1 row · August 31, 2026

Variable

First Rate Second Mortgage — 3 Year Variable

Smallest displayed row

5.25%

Term / position: 36–36 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 4 Year Fixed Closed

Smallest displayed row

5.29%

Term / position: 48–48 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

5.39%

Term / position: 60–60 months · First
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

5.59%

Term / position: 36–36 months · First
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 2 Year Fixed Closed

Smallest displayed row

5.64%

Term / position: 24–24 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

5.69%

Term / position: 48–48 months · First
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 1 Year Fixed Closed

Smallest displayed row

5.74%

Term / position: 12–12 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

6.04%

Term / position: 24–24 months · First
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

6.14%

Term / position: 12–12 months · First
Rows / record date: 1 row · August 31, 2026

Residential

Low Rate Mortgage — Insured High Ratio — 6 Month Convertible

Smallest displayed row

9.99%

Term / position: 6–6 months · First
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 6 Month Convertible

Smallest displayed row

9.99%

Term / position: 6–6 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

First Rate Second Mortgage — 1 Year Open

Smallest displayed row

9.99%

Term / position: 12–12 months · Second
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

9.99%

Term / position: 6–6 months · First
Rows / record date: 1 row · August 31, 2026

Residential

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

Smallest displayed row

9.99%

Term / position: 12–12 months · First
Rows / record date: 1 row · August 31, 2026

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.