Skip to content
pragmatic.Mortgage lending
Talk to a broker
Lender rate guide

Community Savings Credit Union
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

Check my mortgage Talk to a broker

Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

15 of 15 reference offers

5-year variableUninsured – 25 yrUninsuredUp to 25-year amortization4.20%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted variable mortgage rate; 5-Year Variable, Closed.; prime 4.70%.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedInsuredInsuredUp to 25-year amortization4.49%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

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

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedInsuredInsuredUp to 25-year amortization4.54%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

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

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsuredInsuredUp to 25-year amortization4.59%APRDetails
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

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

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.64%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 3-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.69%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 2-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.69%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 4-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.74%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 5-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.99%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 1-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year variableUninsured – 25 yrUninsuredUp to 25-year amortization5.70%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted variable mortgage rate; 1-Year Variable, Open.; prime 4.70%.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsured – 25 yrUninsuredUp to 25-year amortization6.09%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 6 Month.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization6.40%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 7-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization6.80%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted closed mortgage rate; 10-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsured – 25 yrUninsuredUp to 25-year amortization9.75%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted open mortgage rate; 6 Month.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization9.75%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

Community Savings posted open mortgage rate; 1-Year.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

Open, closed and insured options

Community Savings publishes separate open, closed and insured mortgage rates. These labels describe different borrowing choices; a low closed-rate example is not an open mortgage quote.

If you expect a sale or early repayment, compare the open option’s interest cost with the closed option’s payout rules. Check the insured category and the lender’s own prime rate for variable offers.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Which Community Savings rate should I compare?

Start with your purpose, insurance category and expected holding period. Then compare the same term and open or closed structure across the applicable offers.

How do I check which Community Savings Credit Union rates fit my mortgage?

Use the shopper with Community Savings Credit Union selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

All lenders →

Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

Compare my options Ask about Community Savings Credit Union
About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario 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 . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

How we verify rates Public rate data (JSON) Tools for AI assistants