We have an Affinity for great moves

4.19%

*

5-year Straight
Rate mortgage

4.49%

*

3-year Straight
Rate mortgage

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*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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We've got a mortgage for you

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Buying my first home

Buying your first home is an exciting milestone, and we’re here to make it easy! Our Affinity Advisors offer expert advice and support, making homeownership possible and stress-free. Follow these simple steps to homeownership and take a deep breath.

Let’s make your dream home a reality!

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Saving for my first home

The new Tax-Free First Home Savings Account (FHSA) helps first-time homebuyers save for a down payment.All contributions are tax-deductible, grow tax sheltered, and there’s no tax implications when you make a qualifying withdrawal

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Renewing my 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.

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Renovate or upgrade

You may be looking to make changes to better suit your present needs, size or style. Your first step is deciding whether you want to renovate the home you’re in or seek out somewhere entirely new.

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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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Choose what suits you

Straight Rate

Best feature
Our lowest rate
4.19%
5-yr fixed rate
  • 1 extra payment allowed per year
  • 1 to 5 year fixed closed term options
  • 130 day rate guarantee

CUFlex

Best feature
Ultimate flexibility
4.54%
5-yr fixed rate
  • 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
Prime Rate - 0.5% (4.95%)
  • 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

What our members are saying

4/5
The latest score of the “Voice of the Member Overall Satisfaction and Digital Satisfaction”
89.5%
Of mortgage members have a positive sentiment about Affinity Credit Union.
6 Awards
Credit unions won six Ipsos CSI Financial Service Awards in 2024, including a 20th consecutive win for Customer Service Excellence.
"I just renewed my mortgage, and it was the easiest loan I’ve got to date pleasant staff"
- Jennifer Clark
"Very efficient and personable. I was set up with a mortgage and an account in only two trips to the branch."
- Judith Tally
"The level of professionalism and assistance is very high, and my wife and I are looking to make a permanent switch of financial institutions/mortgage providers."
- Colin Maynard
"Communication with our personal banking officer Kyla Logan has been speedy and professional we are able to figure out our future plans."
- Lisa MacDougall

Move your mortgage, save your money.

Save up to $1,750** on switching fees

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

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!

If you live in Saskatchewan, 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
6.04%
2 Year Closed
5.59%
3 Year Closed
4.49%
4 Year Closed
4.39%
5 Year Closed
4.19%
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)
7.49%
7.49%
6.39%
7.24%
5.94%
6.89%
4.84%
6.54%
4.74%
6.49%
4.54%
6.49%
4.84%
6.69%

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 Rate - 0.5% (4.95%)
Affinity Prime Rate
5.45%

Fixed Rate Open Mortgage

Term
Posted Rate
1 Year Open
8.49%
  1. Some conditions apply and rates are discounts off posted Mortgage Rates.
  2. This interest rate is considered Affinity Credit Union's Posted Mortgage Rate.
  3. 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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