Personal Mortgage

Synergy Credit Union has numerous financial products with various interest terms and rates for each. We evaluate individual loan application on its own merits and customize a financing lending program accordingly. Synergy Credit Union rates are competitive. Our staff use their specialized financing expertise to adapt loan products, terms and rates to the needs of each individual. Synergy Credit Union encourages all new or existing customers to talk with an expert at their local Synergy branch for a mortgage financing program designed for them.

Simplicity Mortgage - Variable RateRate*
Prime +0.00% 3.950%
Simplicity Mortgage - Fixed RateRate*
1 year 3.290%
2 year 3.390%
3 year 3.300%
4 year 3.090%
5 year 2.990%
6 year 3.890%
7 year 3.890%
Open Mortgage - Variable RateRate*
Prime +2.00% 5.95%
Open Mortgage - Fixed RateRate*
1 year 6.500%
Super Mortgage - Variable RateRate*
Prime +1.00% 4.95%
Super Mortgage - Fixed RateRate*
1 year 3.590%
2 year 3.740%
3 year 3.940%
4 year 4.490%
5 year 5.190%
6 year 5.800%
7 year 5.800%
Construction Mortgage - Variable RateRate*
Prime +3.00% (Interest Only) 6.95%

*Our mortgage interest rates are compounded bi-annually, but not in advance like some others may be. Some conditions may apply to the posted personal mortgage rates; rates are provisional upon approved credit.

Please note: Interest rates are subject to change without notice at any time.

Additional Information:

  • Annual Percentage Rate (APR) is the total cost of credit expressed as an annual percentage taking into account both interest (AIR) and various non-interest finance charges (for example, appraisal fees).
  • The annual percentage rate (APR) will be the same as the stated rate (AIR), assuming there are no cost of borrowing charges (for example, appraisal fees).
  • Applicable to residential mortgages only and subject to Credit Union lending criteria for residential properties. Some conditions apply.

Fixed Rate Mortgage Example


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