Credit union
Your Credit Union mortgage rates
Checked against Your Credit Union's own rate page on October 19, 2026: 9 products, lowest fixed offer 4.74% (5 Year 30-Year-Amortization High-Ratio First Mortgage).
Your 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
- 9
- Published pricing rows
- 9
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed, HELOC
- Positions
- First mortgage, Secured revolving credit
- Term range
- 1–5 years
- LTV and fee coverage
- Up to 80% LTV · fees shown on 9 of 9 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 Your Credit Union
Lender profile reviewed September 1, 2026
Fixed
5 Year 30-Year-Amortization High-Ratio First Mortgage
Published rate
4.74% 5-year high-ratio · 30-year amortization
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year High-Ratio First Mortgage
Published rate
4.74% 5-year high-ratio first mortgage
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
4 Year First Mortgage
Published rate
5.04% 4-year first mortgage
- Term / position
- 4 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year First Mortgage
Published rate
5.04% 5-year first mortgage
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
5 Year 30-Year-Amortization Conventional First Mortgage
Published rate
5.14% 5-year conventional · 30-year amortization
- Term / position
- 5 years · First mortgage
- Checked
- October 19, 2026
Fixed
3 Year First Mortgage
Published rate
5.24% 3-year first mortgage
- Term / position
- 3 years · First mortgage
- Checked
- October 19, 2026
Fixed
2 Year First Mortgage
Published rate
5.34% 2-year first mortgage
- Term / position
- 2 years · First mortgage
- Checked
- October 19, 2026
HELOC
MeritLine Variable
Published rate
5.45% MeritLine variable
- Term / position
- Term not stated · Secured revolving credit
- Checked
- October 19, 2026
Fixed
1 Year First Mortgage
Published rate
6.14% 1-year first mortgage
- 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.
- October 12, 20264 Year First Mortgage4.84% 4-year first mortgage changed to 5.04% 4-year first mortgage
- October 12, 20265 Year 30-Year-Amortization Conventional First Mortgage4.94% 5-year conventional · 30-year amortization changed to 5.14% 5-year conventional · 30-year amortization
- October 12, 20265 Year 30-Year-Amortization High-Ratio First Mortgage4.54% 5-year high-ratio · 30-year amortization changed to 4.74% 5-year high-ratio · 30-year amortization
- October 12, 20265 Year First Mortgage4.84% 5-year first mortgage changed to 5.04% 5-year first mortgage
- October 12, 20265 Year High-Ratio First Mortgage4.54% 5-year high-ratio first mortgage changed to 4.74% 5-year high-ratio first mortgage
- September 29, 20261 Year First Mortgage5.99% 1-year first mortgage changed to 6.14% 1-year first mortgage
- September 29, 20262 Year First Mortgage5.04% 2-year first mortgage changed to 5.34% 2-year first mortgage
- September 29, 20263 Year First Mortgage4.94% 3-year first mortgage changed to 5.24% 3-year first mortgage
- September 29, 20264 Year First Mortgage4.94% 4-year first mortgage changed to 4.84% 4-year first mortgage
- September 29, 20265 Year 30-Year-Amortization Conventional First Mortgage4.64% 5-year conventional · 30-year amortization changed to 4.94% 5-year conventional · 30-year amortization
- September 29, 20265 Year 30-Year-Amortization High-Ratio First Mortgage4.29% 5-year high-ratio · 30-year amortization changed to 4.54% 5-year high-ratio · 30-year amortization
- September 29, 20265 Year First Mortgage4.54% 5-year first mortgage changed to 4.84% 5-year first mortgage
The 12 most recent of 13 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.