Credit union
Equity Credit Union mortgage rates
Checked against Equity Credit Union's own rate page on October 19, 2026: 11 products, lowest fixed offer 5.40% (1 Year Closed First Mortgage); lowest variable offer 5.70% (5 Year Closed Variable First Mortgage).
Equity Credit Union 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
- 11
- Published pricing rows
- 11
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed, Variable
- Positions
- First mortgage, Second mortgage
- Term range
- 1–5 years
- LTV and fee coverage
- LTV not stated · fees shown on 11 of 11 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 Equity Credit Union
Lender profile reviewed September 1, 2026
Fixed
1 Year Closed First Mortgage
Published rate
5.40% 1-year closed
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year Closed First Mortgage
Published rate
5.40% 2-year closed
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Closed First Mortgage
Published rate
5.50% 3-year closed
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Closed First Mortgage
Published rate
5.55% 4-year closed
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Closed First Mortgage
Published rate
5.60% 5-year closed
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Variable
5 Year Closed Variable First Mortgage
Published rate
5.70% 5-year closed variable
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Variable
Home Equity Line of Credit First Mortgage
Published rate
6.20% HELOC first mortgage
- Term / position
- Term not stated · First mortgage
- Checked
- October 19, 2026
Variable
Convertible Variable Open First Mortgage
Published rate
7.45% convertible variable open
- Term / position
- Term not stated · First mortgage
- Checked
- October 19, 2026
Variable
Home Equity Line of Credit Second Mortgage
Published rate
7.45% HELOC second mortgage
- Term / position
- Term not stated · Second mortgage
- Checked
- October 19, 2026
Fixed
1 Year Open First Mortgage
Published rate
7.50% 1-year open
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
4 Percent Cashback Mortgage
Published rate
8.00% mortgage with 4.00% cashback
- Term / position
- Term not stated · First mortgage
- Checked
- October 19, 2026
Record history
No figure in Equity Credit Union's records has changed since the first full source check on September 29, 2026.
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.