Community Savings Credit Union rates today

Verified examples for owner-occupied BC mortgages. Your eligibility and lender conditions affect your quote.

Reference scenarios and rate conditions

Current catalogue examples for owner-occupied British Columbia properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Catalogue retrieved Oct 3, 2026, 4:06 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

3.95% · 5-year variable

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 3.95%

Community Savings posted variable mortgage rate; 5-Year Variable, Closed.; prime 4.45%.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.34% · 3-year fixed

Insured · insured · maximum 25-year amortization

Lender-reported APR 4.34%

Community Savings posted insured mortgage rate; 3-Year, fixed.

Insured purchase: $750,000 home, $75,000 down, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.39% · 4-year fixed

Insured · insured · maximum 25-year amortization

Lender-reported APR 4.39%

Community Savings posted insured mortgage rate; 4-Year, fixed.

Insured purchase: $750,000 home, $75,000 down, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.44% · 5-year fixed

Insured · insured · maximum 25-year amortization

Lender-reported APR 4.44%

Community Savings posted insured mortgage rate; 5-Year, fixed.

Insured purchase: $750,000 home, $75,000 down, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.49% · 3-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.49%

Community Savings posted closed mortgage rate; 3-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.54% · 2-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.54%

Community Savings posted closed mortgage rate; 2-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.54% · 4-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.54%

Community Savings posted closed mortgage rate; 4-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.59% · 5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.59%

Community Savings posted closed mortgage rate; 5-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

4.99% · 1-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 4.99%

Community Savings posted closed mortgage rate; 1-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

5.45% · 1-year variable

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 5.45%

Community Savings posted variable mortgage rate; 1-Year Variable, Open.; prime 4.45%.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.09% · 0.5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.09%

Community Savings posted closed mortgage rate; 6 Month.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.40% · 7-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.40%

Community Savings posted closed mortgage rate; 7-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

6.80% · 10-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 6.80%

Community Savings posted closed mortgage rate; 10-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

9.75% · 0.5-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 9.75%

Community Savings posted open mortgage rate; 6 Month.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

9.75% · 1-year fixed

Uninsured – 25 yr · uninsured · maximum 25-year amortization

Lender-reported APR 9.75%

Community Savings posted open mortgage rate; 1-Year.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example

Public lender source checked Oct 3, 2026, 2:12 p.m. Pacific.

Verification expires Oct 5, 2026, 2:12 a.m. Pacific. Recheck before a decision.

Lender source and conditions

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