We have an Affinity for great moves

4.99%*

3-year Straight Rate insured mortgage

4.79%*

5-year Straight Rate insured mortgage

Book an Appointment
Or call to talk to an advisor
1.866.863.6237

*Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the interest rate displayed. Rates subject to change without notice. Applicable to Credit Union lending criteria. Some conditions apply.

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You could win up to  $10,000 in mortgage payments.
Terms and conditions apply. Contest ends September 30, 2024

Enter to win by getting, renewing, or moving your mortgage to Affinity Credit Union.

Learn How
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We've got a mortgage for you

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Buying your
first home

Buying your first home is an exciting milestone, but it can also feel a little overwhelming. Our Affinity Advisors are always here to take any stress out of first-time home buying through expert advice and ongoing support.

Follow these simple steps to home ownership and take a deep breath. We've got your back!

Renewing Your
Mortgage

Renewal time offers you the chance to take a good hard look at what’s working for you and what isn’t. Renewing is easy, but if you’re ready to make some changes - we can help.

Take a look at all the ways that an Affinity mortgage could work for you and your future goals.

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Renovate
or Upgrade

So you’ve outgrown your home. Do you want to renovate the home you’re in or seek out something entirely new?

Renovate
If you're going big with your renovations, AffinityEQ may be your best option. Loans and lines of credit can also be great ways to access the money you need.

Upgrade
Ready for a new address? Use our mortgage calculator to see how an Affinity mortgage could work for you.

Check Affordability
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Move your mortgage, save your money.

Save up to $1,750** on switching fees

**Save up to $1,750, terms and conditions apply.

We'll cover up to $1,750** in eligible switching fees. This includes discharges, land titles, legal and more.

Get Started
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Choose what suits you

Straight Rate

Best feature
Our lowest rate
  • 1 extra payment allowed per year
  • 1 to 5 year fixed closed term options
  • 130 day rate guarantee

CUFlex

Best feature
Ultimate flexibility
  • Make extra payments without penalty (conditions apply)
  • 6 months and 1 to 7 years fixed close term options
  • 130 day rate guarantee

Variable Rate

Best feature
Rate follows prime lending rate
  • 1 extra payment allowed per year
  • 3 year closed term option
  • 130 day rate guarantee

Home Equity Options

AffinityEQ

Best feature
Borrow with your home equity
  • Extra prepayment privileges (conditions apply)
  • Includes vacation homes and bare land
  • 6 months and 1 to 7 years renewal terms
  • Extra prepayment privileges (conditions apply)

Home Equity Line of Credit (HELOC)

Best feature
Revolving, low-cost borrowing
  • Prepay without penalty
  • Includes vacation homes
  • 130 day rate guarantee

Introducing the FHSA

The new Tax-Free First Home Savings Account (FHSA) helps first-time home buyers save for a down payment.

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FHSA - An affinity for
tax-free down payments

Book an Appointment

Or call to talk to an advisor
1.866.863.6237

Tax free & ready to grow

Those eligible will be able to contribute up to $40,000 (maximum of $8,000 per year) into their FHSA.

All contributions are tax-deductible, grow tax sheltered, and there’s no tax implications when you make a qualifying withdrawal.

Learn More
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We're here to help

Whether you’re looking for a condo, townhouse, two-story or acreage - an FHSA account with Affinity can help you save towards the first place you call home.

Learn More
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An Affinity for Convenience

Talk to a Mobile Mortgage Specialist

At your home, over the phone, during the evening or on the weekend, our Mobile Mortgage specialists will work around your schedule.

Meet Our Specialists
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An Affinity for Saskatchewan

Just a few reasons why getting a mortgage with Affinity Credit Union is even better than you thought

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Trusted Expertise

Get better service and support from engaged, expert advisors who put your best interest first.

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Holistic Approach

A mortgage is only part of the equation. We’ll help you plan for the big picture.

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Keep it Local

As a member-owned credit union, your money stays close to home, being reinvested in your community

Let us answer your mortgage questions.
Get started here!

Fill out the simple form below and one of our amazing representatives will help you out.

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Mortgage Rates

Residential Mortgage Rates

Term
Straight Rate(1)
6 Month Closed
-
1 Year Closed
6.74%
2 Year Closed
6.34%
3 Year Closed
5.19%
4 Year Closed
5.19%
5 Year Closed
4.99%
7 Year Closed
-
Term
CUFlex(1)
6 Month Closed
7.99%
1 Year Closed
6.99%
2 Year Closed
6.59%
3 Year Closed
5.74%
4 Year Closed
5.54%
5 Year Closed
5.34%
7 Year Closed
5.59%
Term
Posted Rate(2)
6 Month Closed
7.99%
1 Year Closed
7.84%
2 Year Closed
7.44%
3 Year Closed
6.99%
4 Year Closed
6.89%
5 Year Closed
6.79%
7 Year Closed
7.09%
CUFlex(1)
Posted Rate(2)
7.99%
7.99%
6.99%
7.84%
6.59%
7.44%
5.44%
6.99%
5.44%
6.89%
5.24%
6.84%
5.49%
7.09%

NEW! Insured mortgages are eligible for a 0.20% rate discount!

Talk to an Advisor

Variable Rate Closed Mortgage(3)

Term
Posted Rate
3 Year Closed
Prime - 0.35%
Affinity Prime Rate
6.95%

Fixed Rate Open Mortgage

Term
Posted Rate
1 Year Open
8.99%
  • Some conditions apply and rates are discounts off posted Mortgage Rates.
  • This interest rate is considered Affinity Credit Union's Posted Mortgage Rate.
  • Interest rates for Closed Variable Mortgage will fluctuate based on Affinity Credit Union's Prime Lending Rate. Assuming no additional fees are charged, the Annual Percent Rate (APR) is the same as the interest rate. If additional fees are incurred, the APR increases. Interest rates are posted for information purposes only and are subject to change without notice.
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