Lenders
Alterna Savings
Alterna Savings is recorded in this encyclopedia as a credit union operating Ontario, and it deals with borrowers directly.
| Type | credit union |
|---|---|
| Operates | Ontario |
| Head office province | Ontario |
| Website | https://www.alterna.ca |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | direct |
Published rates held for this lender
7 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 3-Year High Ratio Fixed | 4.59%* | (4.65%* APR); *Terms and conditions apply. | Alterna Savings - Ontario Credit Union - Banking and Mortgages | |
| Mortgage | 3-year fixed (insured) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.69% | Your down payment is under 20%, so your mortgage needs mortgage default insurance. Showing Insured rates. | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insured) | 4.69% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | Signature 3-Year, Variable Closed | 4.50 % | interest rate, 4.56 % APR; *rates subject to change | Alterna Savings - Ontario Credit Union - Banking and Mortgages | |
| Mortgage | Signature 5-Year, Variable Closed | 4.40 % | interest rate, 4.44 % APR; *rates subject to change | Alterna Savings - Ontario Credit Union - Banking and Mortgages | |
| Mortgage | Smart Start 3-Year Fixed Closed - High Ratio | 4.59 % | interest rate, 4.65 % APR; *rates subject to change | Alterna Savings - Ontario Credit Union - Banking and Mortgages |
Products as recorded
- Smart Start mortgage
- Signature mortgage
- Fixed rate mortgage
- Variable rate mortgage
Merged with Tandia Financial Credit Union effective Dec 31, 2025; Tandia continues as a division (see Tandia row)
The lender's own website.
Sources for this record
- https://www.alterna.ca/personal
- https://www.alterna.ca/en/about-us/news/merger-approved-alterna-and-tandia-members-vote-for-growing-together
- https://wowa.ca/credit-unions/alterna-savings
Encyclopedia captured 2026-11-14.