Types of Mortgages

The purchase of a new home may be the largest investment you make in your lifetime. At YNCU, we’ll provide you with complete and personalized mortgage service. We offer a wide range of mortgage options to suit your needs.

Even better - all of our mortgages are locally approved!

Getting Started

We know that taking out a mortgage can be stressful and sometimes confusing, so from consultation to closing, our Financial Service Representatives will make the process easy.

Just call or visit one of our experienced and professional Financial Service Representatives, in our Retail Sales department at any of our branch locations.


Fixed Rate Mortgages

You like knowing exactly what your mortgage payments are going to be for a pre-defined period of time and don't want to risk changing interest rates.

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Variable Rate Mortgages

You feel comfortable with an interest rate that varies during the term of a mortgage, knowing that there is a potential for savings on interest costs.

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MeritLine of Credit

You want to use the equity in your home to borrow against, while enjoying a flexible repayment schedule.

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Construction Mortgages

Our mortgage experts know prefabricated construction mortgages, and they'll take the time to guide you through the process.

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Purchase Plus Improvements Mortgage

We can help qualified home buyers make their new homes just right for them, with tailored improvements, immediately after taking possession of their purchased property.

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