Credit union
Innovation Federal Credit Union mortgage rates
Checked against Innovation Federal Credit Union's own rate page on October 19, 2026: 10 products, lowest fixed offer 4.690% (3 Year Closed Fixed Special); lowest variable offer 4.35% (5 Year Insured Variable Mortgage).
Innovation Federal 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
- Canada, Canada excluding Quebec
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Variable, Fixed
- Positions
- First mortgage
- Term range
- 6–84 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 Innovation Federal Credit Union
Lender profile reviewed September 1, 2026
Variable
5 Year Insured Variable Mortgage
Published rate
4.35% 5-year insured variable
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Closed Fixed Special
Published rate
4.690% interest · 4.730% APR
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Closed Fixed Special
Published rate
4.690% interest · 4.723% APR
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year Closed Fixed Special
Published rate
4.790% interest · 4.857% APR
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Closed Insured Fixed Special
Published rate
4.790% interest · 4.820% APR
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Closed Fixed Special
Published rate
4.890% interest · 5.023% APR
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
7 Year Closed Fixed Special
Published rate
5.290% interest · 5.310% APR
- Term / position
- 7 years · First mortgage
- Checked
- October 19, 2026
Fixed
6 Month Closed Fixed Special
Published rate
6.040% interest · 6.307% APR
- Term / position
- 6 months · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Open Fixed
Published rate
6.990% interest · 7.123% APR
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Variable
5 Year Open Variable
Published rate
7.750% interest · 7.777% APR
- Term / position
- 5 years · 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 13, 20263 Year Closed Fixed Special4.590% interest · 4.634% APR changed to 4.690% interest · 4.730% APR
- September 30, 20261 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 4.690% interest · 4.823% APR)
- September 30, 202610 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 5.610% interest · 5.623% APR)
- September 30, 20262 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 4.590% interest · 4.657% APR)
- September 30, 20263 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 4.390% interest · 4.434% APR)
- September 30, 20264 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 4.590% interest · 4.623% APR)
- September 30, 20265 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 4.490% interest · 4.517% APR)
- September 30, 20265 Year Closed Uninsured VariableNo longer listed by the lender (last recorded as 6.000% interest · 6.030% APR)
- September 30, 20266 Month Closed Fixed RegularNo longer listed by the lender (last recorded as 6.140% interest · 6.407% APR)
- September 30, 20267 Year Closed Fixed RegularNo longer listed by the lender (last recorded as 5.010% interest · 5.029% APR)
- September 29, 20261 Year Closed Fixed Special4.590% interest · 4.723% APR changed to 4.890% interest · 5.023% APR
- September 29, 20262 Year Closed Fixed Special4.490% interest · 4.557% APR changed to 4.790% interest · 4.857% APR
The 12 most recent of 17 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.