Credit union
Your Neighbourhood Credit Union mortgage rates
Checked against Your Neighbourhood Credit Union's own rate page on October 1, 2026: 12 products, lowest fixed offer 4.49% (3 Year High-Ratio Fixed Special); lowest variable offer 3.80% (5 Year High-Ratio Closed Variable).
Your Neighbourhood 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
- 12
- Published pricing rows
- 12
- Published regions
- Ontario
- Last checked
- October 1, 2026
Qualification and structure signals present in the public records
- Categories
- Variable, Fixed
- Positions
- First mortgage
- Term range
- 1–7 years
- LTV and fee coverage
- Up to 80% LTV · fees shown on 12 of 12 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 Neighbourhood Credit Union
Lender profile reviewed September 1, 2026
Variable
5 Year High-Ratio Closed Variable
Published rate
3.80% · YNCU Prime − 0.65%
- Term / position
- 5 years · First mortgage
- Checked
- October 1, 2026
Fixed
3 Year High-Ratio Fixed Special
Published rate
4.49% 3-year high-ratio fixed special
- Term / position
- 3 years · First mortgage
- Checked
- October 1, 2026
Fixed
4 Year High-Ratio Fixed Special
Published rate
4.59% 4-year high-ratio fixed special
- Term / position
- 4 years · First mortgage
- Checked
- October 1, 2026
Fixed
3 Year Conventional Fixed Special
Published rate
4.69% 3-year conventional fixed special
- Term / position
- 3 years · First mortgage
- Checked
- October 1, 2026
Fixed
4 Year Conventional Fixed Special
Published rate
4.79% 4-year conventional fixed special
- Term / position
- 4 years · First mortgage
- Checked
- October 1, 2026
Fixed
5 Year High-Ratio Fixed Special
Published rate
4.79% 5-year high-ratio fixed special
- Term / position
- 5 years · First mortgage
- Checked
- October 1, 2026
Fixed
5 Year Conventional Mortgage Special
Published rate
4.99% 5-year conventional fixed special
- Term / position
- 5 years · First mortgage
- Checked
- October 1, 2026
Fixed
1 Year Conventional Fixed Special
Published rate
5.99% 1-year conventional fixed special
- Term / position
- 1 year · First mortgage
- Checked
- October 1, 2026
Fixed
1 Year High-Ratio Fixed Special
Published rate
5.99% 1-year high-ratio fixed special
- Term / position
- 1 year · First mortgage
- Checked
- October 1, 2026
Fixed
2 Year Conventional Fixed Special
Published rate
5.99% 2-year conventional fixed special
- Term / position
- 2 years · First mortgage
- Checked
- October 1, 2026
Fixed
2 Year High-Ratio Fixed Special
Published rate
5.99% 2-year high-ratio fixed special
- Term / position
- 2 years · First mortgage
- Checked
- October 1, 2026
Fixed
7 Year Conventional Fixed Special
Published rate
5.99% 7-year conventional fixed special
- Term / position
- 7 years · First mortgage
- Checked
- October 1, 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 Conventional Fixed Special4.45% 3-year conventional fixed special changed to 4.69% 3-year conventional fixed special
- September 29, 20263 Year High-Ratio Fixed Special4.24% 3-year high-ratio fixed special changed to 4.49% 3-year high-ratio fixed special
- September 29, 20264 Year Conventional Fixed Special4.65% 4-year conventional fixed special changed to 4.79% 4-year conventional fixed special
- September 29, 20264 Year High-Ratio Fixed Special4.44% 4-year high-ratio fixed special changed to 4.59% 4-year high-ratio fixed special
- September 29, 20265 Year Conventional Mortgage Special4.65% 5-year conventional fixed special changed to 4.99% 5-year conventional fixed special
- September 29, 20265 Year High-Ratio Fixed Special4.44% 5-year high-ratio fixed special changed to 4.79% 5-year high-ratio fixed special
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.