Mortgages

Special Mortgages

as low as 3.59% for 5 year fixed Mortgage (limited time, conditions apply)

Masterplan Mortgage The all in one mortgage designed to save you money and provide the most flexibility.
Below Prime Mortgage We give you more for less.
Conventional Mortgage Financing available for up to 80%
CMHC Mortgage Financing available for up to 95% on new purchases.
Meritline - Home Equity Line of Credit (HELOC) Mortgage A line of credit, secured by your property, has flexible repayment terms, competitively priced and remains in place as long as you own your home. (starts at OCCU prime + 0.75%)

Personal Loans

Personal Loans Offered at both variable or fixed rates.
RRSP "Top Up" Loans Borrow up to $25,000 for investment in an OCCU RRSP.
Consolidation Loans Consolidate your debt for a lower monthly payment.
Auto Loans  
Student Loans OCCU can assist in financing your post-secondary education.

Lines of Credit

Meritline - Home Equity Line of Credit Use your home equity to finance large purchases or consolidate debt
Personal One - Line of Credit Up to $25,000 available (unsecured) OAC.
RRSP Line of Credit Apply once and re-use credit annually.
Student Line of Credit To a maximum of $50,000 (conditions apply).

Other Products

Personal Chequing Account Line of Credit - provides protection against overdrafts.
Mastercard Credit Card Applications available at the Credit Union.

Service Charges

Click to view Loan Fees (PDF)

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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