Beem 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, 4:02 p.m. Pacific. Public sources are scheduled for checks every two hours. Unverified, expired and future offers are withheld.

Verified rate examples

3.75% · 5-year variable

Variable Closed · uninsured · maximum 25-year amortization

Beem public closed variable 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

3.90% · 3-year variable

Variable Closed · uninsured · maximum 25-year amortization

Beem public closed variable 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

4.34% · 5-year fixed

Insured · insured · maximum 25-year amortization

Beem public featured insured 5-year fixed closed mortgage rate.

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

4.54% · 3-year fixed

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

Beem public fixed closed mortgage rate; 3 year; Uninsured – 25 yr.

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% · 2-year fixed

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

Beem public fixed closed mortgage rate; 2 year; Uninsured – 25 yr.

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

4.64% · 3-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Promotional rate — conditions and availability deadline apply

Beem public fixed closed mortgage rate; 3 year; Uninsured – 30 yr.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example
Refinance: $750,000 home, $150,000 equity, 30-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

4.64% · 4-year fixed

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

Beem public fixed closed mortgage rate; 4 year; Uninsured – 25 yr.

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

4.69% · 2-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Promotional rate — conditions and availability deadline apply

Beem public fixed closed mortgage rate; 2 year; Uninsured – 30 yr.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example
Refinance: $750,000 home, $150,000 equity, 30-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

4.69% · 5-year fixed

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

Beem public fixed closed mortgage rate; 5 year; Uninsured – 25 yr.

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

4.74% · 4-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Promotional rate — conditions and availability deadline apply

Beem public fixed closed mortgage rate; 4 year; Uninsured – 30 yr.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example
Refinance: $750,000 home, $150,000 equity, 30-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

4.79% · 1-year fixed

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

Beem public fixed closed mortgage rate; 1 year; Uninsured – 25 yr.

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

4.79% · 5-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Promotional rate — conditions and availability deadline apply

Beem public fixed closed mortgage rate; 5 year; Uninsured – 30 yr.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example
Refinance: $750,000 home, $150,000 equity, 30-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

4.89% · 1-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Promotional rate — conditions and availability deadline apply

Beem public fixed closed mortgage rate; 1 year; Uninsured – 30 yr.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example
Refinance: $750,000 home, $150,000 equity, 30-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

5.20% · 7-year fixed

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

Beem public fixed closed mortgage rate; 7 year; Uninsured – 25 yr.

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

5.30% · 7-year fixed

Uninsured – 30 yr · uninsured · maximum 30-year amortization

Promotional rate — conditions and availability deadline apply

Beem public fixed closed mortgage rate; 7 year; Uninsured – 30 yr.

20% down purchase: $750,000 home, $150,000 down, 25-year amortization · Compare this example
20% down purchase: $750,000 home, $150,000 down, 30-year amortization · Compare this example
Renewal: $750,000 home, $150,000 equity, 25-year amortization · Compare this example
Refinance: $750,000 home, $150,000 equity, 30-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

Variable Open · uninsured · maximum 25-year amortization

Beem public open variable 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

7.20% · 1-year fixed

Open Fixed · uninsured · maximum 25-year amortization

Beem public 1-year open fixed mortgage rate.

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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