Credit Unions in Canada
Member-owned, usually provincially regulated lenders. They can be more flexible on qualifying and are not bound by the federal stress test in the same way as banks.
See which credit unions fit you
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Access Credit Union
Direct only · Standard penalty (about three months' interest)
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Affinity Credit Union
Direct only · Standard penalty (about three months' interest)
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Alterna Savings / Alterna Bank
Direct only · Fair, contract-rate penalty
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Assiniboine Credit Union
Direct only · Standard penalty (about three months' interest)
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Atlantic Edge Credit Union
Direct only · Standard penalty (about three months' interest)
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BCU Financial (Buduchnist Credit Union)
Direct only · Standard penalty (about three months' interest)
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Beem Credit Union
Direct only · Standard penalty (about three months' interest)
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Bow Valley Credit Union
Direct only · Standard penalty (about three months' interest)
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Brunswick Credit Union
Direct only · Standard penalty (about three months' interest)
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Bulkley Valley Credit Union
Direct only · Standard penalty (about three months' interest)
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Cambrian Credit Union
Direct only · Standard penalty (about three months' interest)
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Cascadia Credit Union
Direct only · Standard penalty (about three months' interest)
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Coast Capital Savings
Direct only · Fair, contract-rate penalty
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Coastal Community
Direct only · Fair, contract-rate penalty
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Community Savings Credit Union
Direct only · Fair, contract-rate penalty
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Conexus Credit Union
Direct only · Standard penalty (about three months' interest)
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CUA (Credit Union Atlantic)
Direct only · Standard penalty (about three months' interest)
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Desjardins
Broker or direct · Fair, contract-rate penalty
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DUCA
Direct only · Posted-rate penalty (can be costly)
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East Coast Credit Union
Direct only · Standard penalty (about three months' interest)
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Envision Financial
Direct only · Fair, contract-rate penalty
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FirstOntario Credit Union
Direct only · Fair, contract-rate penalty
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Frontline Credit Union
Direct only · Standard penalty (about three months' interest)
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Fusion Credit Union
Direct only · Standard penalty (about three months' interest)
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Ganaraska Financial Credit Union
Direct only · Fair, contract-rate penalty
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Innovation Federal Credit Union
Direct only · Standard penalty (about three months' interest)
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Island Savings
Direct only · Fair, contract-rate penalty
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Khalsa Credit Union
Direct only · Standard penalty (about three months' interest)
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Kindred Credit Union
Direct only · Standard penalty (about three months' interest)
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Kootenay Savings Credit Union
Direct only · Standard penalty (about three months' interest)
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Lakeland Credit Union
Direct only · Standard penalty (about three months' interest)
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Libro Credit Union
Direct only · Standard penalty (about three months' interest)
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Luminus Financial
Direct only · Standard penalty (about three months' interest)
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Mainstreet Credit Union
Direct only · Standard penalty (about three months' interest)
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Meridian Credit Union
Direct only · Fair, contract-rate penalty
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Motor City Community Credit Union
Direct only · Standard penalty (about three months' interest)
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Nelson & District Credit Union
Direct only · Standard penalty (about three months' interest)
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Niverville Credit Union
Direct only · Standard penalty (about three months' interest)
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NLCU (Newfoundland & Labrador Credit Union)
Direct only · Standard penalty (about three months' interest)
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Northern Credit Union
Direct only · Standard penalty (about three months' interest)
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Northern Savings Credit Union
Direct only · Standard penalty (about three months' interest)
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Parama Credit Union
Direct only · Standard penalty (about three months' interest)
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PenFinancial Credit Union
Direct only · Standard penalty (about three months' interest)
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Prospera
Direct only · Fair, contract-rate penalty
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Provincial Credit Union
Direct only · Standard penalty (about three months' interest)
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Rocky Credit Union
Direct only · Standard penalty (about three months' interest)
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SASCU (Salmon Arm Savings and Credit Union)
Direct only · Standard penalty (about three months' interest)
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Servus Credit Union
Direct only · Fair, contract-rate penalty
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Steinbach Credit Union
Direct only · Standard penalty (about three months' interest)
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StellerVista Credit Union
Direct only · Standard penalty (about three months' interest)
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Sudbury Credit Union
Direct only · Standard penalty (about three months' interest)
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Tru Cooperative Bank (Mortgage Broker Centre)
Broker only · Standard penalty (about three months' interest)
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Ukrainian Credit Union
Direct only · Standard penalty (about three months' interest)
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UNI Financial Cooperation
Direct only · Standard penalty (about three months' interest)
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Valley Credit Union
Direct only · Standard penalty (about three months' interest)
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Valley First
Direct only · Fair, contract-rate penalty
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Vancity
Direct only · Fair, contract-rate penalty
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VantageOne Credit Union
Direct only · Standard penalty (about three months' interest)
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Vision Credit Union
Direct only · Standard penalty (about three months' interest)
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WFCU Credit Union
Direct only · Standard penalty (about three months' interest)
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Williams Lake and District Credit Union
Direct only · Standard penalty (about three months' interest)
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Your Neighbourhood Credit Union (YNCU)
Direct only · Standard penalty (about three months' interest)
Other kinds of lender
Educational information about Canadian mortgages, not financial or mortgage advice. This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999 and operated by LenderSearch; figures are estimates. Confirm all rates and terms directly with the lender.