Credit union
Healthcare and Municipal Employees' Credit Union mortgage rates
Checked against Healthcare and Municipal Employees' Credit Union's own rate page on October 19, 2026: 8 products, lowest fixed offer 4.49% (5 Year High-Ratio Mortgage).
Healthcare and Municipal Employees' 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
- 8
- Published pricing rows
- 8
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed
- Positions
- First mortgage
- Term range
- 1–5 years
- LTV and fee coverage
- LTV not stated · fees shown on 8 of 8 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 Healthcare and Municipal Employees' Credit Union
Lender profile reviewed September 1, 2026
Fixed
3 Year Fixed High-Ratio Special
Published rate
4.39% special · 6.59% posted
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year High-Ratio Mortgage
Published rate
4.49% 5-year high-ratio fixed
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Fixed Special
Published rate
4.69% special · 6.19% posted
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Fixed Special
Published rate
4.74% special · 6.59% posted
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Fixed Special
Published rate
5.99% special · 7.09% posted
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Fixed Posted
Published rate
6.09% posted · 4-year fixed
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year Fixed Posted
Published rate
6.69% posted · 2-year fixed
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Open Fixed
Published rate
9.50% posted · 1-year open
- 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.
- September 29, 20263 Year Fixed High-Ratio Special4.29% special · 6.49% posted changed to 4.39% special · 6.59% posted
- September 29, 20263 Year Fixed Special4.64% special · 6.49% posted changed to 4.74% special · 6.59% posted
- September 29, 20265 Year Fixed Special4.59% special · 6.09% posted changed to 4.69% special · 6.19% posted
- September 29, 20265 Year High-Ratio Mortgage4.39% 5-year high-ratio fixed changed to 4.49% 5-year high-ratio fixed
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.