Let your money do the work for you with great rates.
There's more to a credit union than just banking.
We know that strong financial literacy is key to making informed decisions about money.
We offer industry leading business account rates.
Connect with our Business Banking team
Located at 1 James Street South in Hamilton.
Meet our Wealth Team
Our wealth advisors are here to provide expert guidance and support.
We know that strong financial literacy is key to making informed decisions about money.
We know that strong financial literacy is key to making informed decisions about money.
We offer competitive mortgage rates, including both variable and fixed rate options. Our variable-rate mortgages offer flexibility, with rates that change based on market conditions, potentially saving you money when interest rates are low. On the other hand, our fixed-rate mortgages provide stability, locking in your interest rate for the term of your mortgage, which makes budgeting easier.
We also offer flexible terms and something you can't buy - the time it takes and a friendly face to help you fully understand what you need. Plus, we'll cover the cost of the Encompass Home System Warranty Program for the first year.
Know that your pre-approved rate won't change while house hunting.
Prepay up to 20% of your principal annually, without penalty.
Choose weekly, bi-weekly, monthly or accelerated payments.
Protect yourself and your family with mortgage insurance at low rates.
At FirstOntario we understand everyone's mortgage needs are different. We realize some will qualify for a conventional mortgage where others will need a high ratio option.
A minimum down payment of 20% of the purchase price is needed to qualify for a conventional mortgage that does not require mortgage loan insurance.
If your down payment is less than 20% of the purchase price, a high ratio mortgage is available and is insured by a third party.
Our advisors can provide more details about this type of mortgage.
Use your home equity as security and lock in our lowest rates.
Get protection against the expense of home repair costs.
Your retirement savings will grow tax-free with a Registered Retirement Savings Plan.
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