Credit union
Mainstreet Credit Union mortgage rates
Checked against Mainstreet Credit Union's own rate page on October 15, 2026: 11 products, lowest fixed offer 4.34% (3 Year Closed High-Ratio); lowest variable offer 3.45% (5 Year Closed High-Ratio Variable).
Mainstreet 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 15, 2026
Qualification and structure signals present in the public records
- Categories
- Variable, Fixed
- Positions
- First 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 Mainstreet Credit Union
Lender profile reviewed September 1, 2026
Variable
5 Year Closed High-Ratio Variable
Published rate
3.45% 5-year closed high-ratio variable
- Term / position
- 5 years · First mortgage
- Checked
- October 15, 2026
Variable
5 Year Closed Variable
Published rate
3.70% 5-year closed variable
- Term / position
- 5 years · First mortgage
- Checked
- October 15, 2026
Fixed
3 Year Closed High-Ratio
Published rate
4.34% 3-year closed high-ratio
- Term / position
- 3 years · First mortgage
- Checked
- October 15, 2026
Fixed
5 Year Closed High-Ratio
Published rate
4.44% 5-year closed high-ratio
- Term / position
- 5 years · First mortgage
- Checked
- October 15, 2026
Fixed
2 Year Closed Fixed
Published rate
4.64% 2-year closed
- Term / position
- 2 years · First mortgage
- Checked
- October 15, 2026
Fixed
3 Year Closed Fixed
Published rate
4.69% 3-year closed
- Term / position
- 3 years · First mortgage
- Checked
- October 15, 2026
Fixed
5 Year Closed Mortgage
Published rate
4.84% 5-year closed fixed
- Term / position
- 5 years · First mortgage
- Checked
- October 15, 2026
Fixed
4 Year Closed Fixed
Published rate
4.89% 4-year closed
- Term / position
- 4 years · First mortgage
- Checked
- October 15, 2026
Fixed
1 Year Closed Fixed
Published rate
5.34% 1-year closed
- Term / position
- 1 year · First mortgage
- Checked
- October 15, 2026
Variable
1 Year Construction Open
Published rate
6.95% 1-year construction open
- Term / position
- 1 year · First mortgage
- Checked
- October 15, 2026
Fixed
1 Year Open Fixed
Published rate
9.45% 1-year open
- Term / position
- 1 year · First mortgage
- Checked
- October 15, 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, 20262 Year Closed Fixed4.54% 2-year closed changed to 4.64% 2-year closed
- September 29, 20263 Year Closed Fixed4.59% 3-year closed changed to 4.69% 3-year closed
- September 29, 20263 Year Closed High-Ratio4.14% 3-year closed high-ratio changed to 4.34% 3-year closed high-ratio
- September 29, 20264 Year Closed Fixed4.79% 4-year closed changed to 4.89% 4-year closed
- September 29, 20265 Year Closed High-Ratio4.24% 5-year closed high-ratio changed to 4.44% 5-year closed high-ratio
- September 29, 20265 Year Closed High-Ratio Variable3.85% 5-year closed high-ratio variable changed to 3.45% 5-year closed high-ratio variable
- September 29, 20265 Year Closed Mortgage4.74% 5-year closed fixed changed to 4.84% 5-year closed fixed
- September 29, 20265 Year Closed Variable4.10% 5-year closed variable changed to 3.70% 5-year closed variable
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.