Credit union
Northern Credit Union mortgage rates
Checked against Northern Credit Union's own rate page on September 29, 2026: 13 products, lowest fixed offer 4.29% (3 Year Closed High-Ratio Special); lowest variable offer 6.45% (5 Year Open Variable).
Northern 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
- 13
- Published pricing rows
- 13
- Published regions
- Ontario
- Last checked
- September 29, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed, HELOC, Variable
- Positions
- First mortgage, Secured revolving credit
- Term range
- 6–60 months
- LTV and fee coverage
- Up to 80% LTV · fees shown on 13 of 13 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 Credit Union
Lender profile reviewed September 1, 2026
Fixed
3 Year Closed High-Ratio Special
Published rate
4.29% 3-year high-ratio special
- Term / position
- 3 years · First mortgage
- Checked
- September 29, 2026
Fixed
5 Year Closed High-Ratio
Published rate
4.49% 5-year closed high-ratio
- Term / position
- 5 years · First mortgage
- Checked
- September 29, 2026
Fixed
3 Year Closed Conventional Special
Published rate
4.69% 3-year conventional special
- Term / position
- 3 years · First mortgage
- Checked
- September 29, 2026
Fixed
5 Year Closed Conventional Special
Published rate
4.79% 5-year conventional special
- Term / position
- 5 years · First mortgage
- Checked
- September 29, 2026
HELOC
MeritLine Home Equity Line of Credit
Published rate
4.95% MeritLine HELOC
- Term / position
- Term not stated · Secured revolving credit
- Checked
- September 29, 2026
Fixed
1 Year Closed Fixed
Published rate
5.79% 1-year closed
- Term / position
- 1 year · First mortgage
- Checked
- September 29, 2026
Fixed
2 Year Closed Fixed
Published rate
5.89% 2-year closed
- Term / position
- 2 years · First mortgage
- Checked
- September 29, 2026
Fixed
3 Year Closed Fixed
Published rate
6.09% 3-year closed
- Term / position
- 3 years · First mortgage
- Checked
- September 29, 2026
Fixed
4 Year Closed Fixed
Published rate
6.19% 4-year closed
- Term / position
- 4 years · First mortgage
- Checked
- September 29, 2026
Fixed
5 Year Closed Fixed
Published rate
6.29% 5-year closed
- Term / position
- 5 years · First mortgage
- Checked
- September 29, 2026
Variable
5 Year Open Variable
Published rate
6.45% 5-year open variable
- Term / position
- 5 years · First mortgage
- Checked
- September 29, 2026
Fixed
6 Month Open Fixed
Published rate
8.50% 6-month open
- Term / position
- 6 months · First mortgage
- Checked
- September 29, 2026
Fixed
1 Year Open Fixed
Published rate
8.99% 1-year open
- Term / position
- 1 year · First mortgage
- Checked
- September 29, 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, 20261 Year Closed Fixed5.39% 1-year closed changed to 5.79% 1-year closed
- September 29, 20262 Year Closed Fixed5.49% 2-year closed changed to 5.89% 2-year closed
- September 29, 20263 Year Closed Conventional Special4.49% 3-year conventional special changed to 4.69% 3-year conventional special
- September 29, 20263 Year Closed Fixed5.69% 3-year closed changed to 6.09% 3-year closed
- September 29, 20264 Year Closed Fixed5.79% 4-year closed changed to 6.19% 4-year closed
- September 29, 20265 Year Closed Conventional Special4.59% 5-year conventional special changed to 4.79% 5-year conventional special
- September 29, 20265 Year Closed Fixed5.89% 5-year closed changed to 6.29% 5-year closed
- September 29, 20265 Year Closed High-Ratio4.39% 5-year closed high-ratio changed to 4.49% 5-year closed high-ratio
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.