OCCU offers conventional mortgages with flexible options to meet your needs including:

  • Terms from 1 year  to 5 years (open or closed)
  • Variable rate or fixed rate options
  • Pre-approvals available
  • Competitive Rates
  • Conventional mortgages (up to 80% of appraised value)
  • CMHC or Genworth insured mortgages (up to 95% of appraised value for purchases) amortization up to 40 years for low ration and 30 years for high ratio
  • Convenient weekly, bi-weekly, semi-monthly or monthly payments directly from your Credit Union account, another financial institution or payroll deduction
  • No renewal fees
  • Monthly life insurance
  • Monthly disability insurance

Looking for more flexibility than a conventional mortgage? An OCCU MeritLine may be perfect for you.

Contact one of our branches today to speak with our experienced lenders or apply online now to take advantage of our great rates!


Welcome to the OCCU

  • OCCU has been serving people in the Durham Region and surrounding areas for over 75 years.
  • Since our inception we have grown from a small credit union to now having assets in excess of $95 million.
  • The membership is in excess of 3,500 member/owners.

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Membership Does Pay

  • Why become a member of the Oshawa Community Credit Union?
  • As a member, you also become an owner of the OCCU! In that you share in our profits.
  • Our members have benefited from our profit sharing program in the amount of over $3.9 million from 2007 to 2018.
  • Banking at OCCU is available to everyone in Ontario.

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