Credit union
FirstOntario Credit Union mortgage rates
Checked against FirstOntario Credit Union's own rate page on October 19, 2026: 10 products, lowest fixed offer 5.04% (5 Year Fixed Closed Mortgage).
FirstOntario 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
- 10
- Published pricing rows
- 10
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed
- Positions
- First mortgage
- Term range
- 6–120 months
- LTV and fee coverage
- LTV not stated · fees shown on 10 of 10 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 FirstOntario Credit Union
Lender profile reviewed September 1, 2026
Fixed
2 Year Closed Fixed
Published rate
4.84% APR · 2-year closed
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Closed Fixed
Published rate
4.94% APR · 3-year closed
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Closed Fixed
Published rate
4.99% APR · 4-year closed
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Fixed Closed Mortgage
Published rate
5.04% 5-year fixed closed
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Closed Fixed
Published rate
5.49% APR · 1-year closed
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
7 Year Closed Fixed
Published rate
5.94% APR · 7-year closed
- Term / position
- 7 years · First mortgage
- Checked
- October 19, 2026
Fixed
10 Year Closed Fixed
Published rate
6.14% APR · 10-year closed
- Term / position
- 10 years · First mortgage
- Checked
- October 19, 2026
Fixed
6 Month Convertible Closed
Published rate
6.34% APR · 6-month convertible closed
- Term / position
- 6 months · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Open Fixed
Published rate
8.09% APR · 1-year open
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
6 Month Open
Published rate
8.09% APR · 6-month open
- Term / position
- 6 months · 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 15, 20262 Year Closed Fixed4.94% APR · 2-year closed changed to 4.84% APR · 2-year closed
- October 13, 20261 Year Closed Fixed5.39% APR · 1-year closed changed to 5.49% APR · 1-year closed
- October 13, 202610 Year Closed Fixed6.04% APR · 10-year closed changed to 6.14% APR · 10-year closed
- October 13, 20262 Year Closed Fixed4.84% APR · 2-year closed changed to 4.94% APR · 2-year closed
- October 13, 20263 Year Closed Fixed4.84% APR · 3-year closed changed to 4.94% APR · 3-year closed
- October 13, 20264 Year Closed Fixed4.89% APR · 4-year closed changed to 4.99% APR · 4-year closed
- October 13, 20267 Year Closed Fixed5.84% APR · 7-year closed changed to 5.94% APR · 7-year closed
- October 12, 20265 Year Fixed Closed Mortgage4.94% 5-year fixed closed changed to 5.04% 5-year fixed closed
- September 29, 20261 Year Closed Fixed5.34% APR · 1-year closed changed to 5.39% APR · 1-year closed
- September 29, 202610 Year Closed Fixed5.99% APR · 10-year closed changed to 6.04% APR · 10-year closed
- September 29, 20262 Year Closed Fixed4.79% APR · 2-year closed changed to 4.84% APR · 2-year closed
- September 29, 20263 Year Closed Fixed4.79% APR · 3-year closed changed to 4.84% APR · 3-year closed
The 12 most recent of 15 recorded changes.
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.