Credit union
Northern Birch Credit Union mortgage rates
Checked against Northern Birch Credit Union's own rate page on October 19, 2026: 7 products, lowest fixed offer 4.49% (2 Year Closed Fixed Special); lowest variable offer 3.65% (5 Year High-Ratio Insured Variable Special).
Northern Birch 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
- 7
- Published pricing rows
- 7
- Published regions
- Ontario
- Last checked
- October 19, 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 7 of 7 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 Northern Birch Credit Union
Lender profile reviewed September 1, 2026
Variable
5 Year High-Ratio Insured Variable Special
Published rate
3.65% 5-year high-ratio insured variable
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year Closed Fixed Special
Published rate
4.49% 2-year closed special
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year High-Ratio Insured Fixed Special
Published rate
4.54% 5-year high-ratio insured fixed
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year Closed Fixed Special
Published rate
4.69% 3-year closed special
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
1 Year Closed Fixed Special
Published rate
4.74% 1-year closed special
- Term / position
- 1 year · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year Closed Fixed Special
Published rate
4.89% 4-year closed special
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year Closed Fixed Special
Published rate
4.94% 5-year closed special
- 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.
- September 29, 20263 Year Closed Fixed Special4.59% 3-year closed special changed to 4.69% 3-year closed special
- September 29, 20264 Year Closed Fixed Special4.79% 4-year closed special changed to 4.89% 4-year closed special
- September 29, 20265 Year Closed Fixed Special4.79% 5-year closed special changed to 4.94% 5-year closed special
- September 29, 20265 Year High-Ratio Insured Fixed Special4.39% 5-year high-ratio insured fixed changed to 4.54% 5-year high-ratio insured 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.