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Cambrian Credit Union, based in Manitoba, offers a selection of competitive residential mortgage rates and unique mortgage solutions designed to help homebuyers, refinancers, and those transferring mortgages. Their rates are frequently among the lowest available from Manitoba-based lenders, emphasizing both affordability and flexibility.
As of July 2025, Cambrian Credit Union features the following special offer fixed mortgage rates for new purchases, transfers, and refinances (for residential and cottage mortgages with net new funding of $200,000 or more):
| Term | Special Offer Rate (%) |
|---|---|
| 3-Year Fixed | 4.10 |
| 4-Year Fixed | 3.99 |
| 5-Year Fixed | 3.99 |
These rates are subject to change and may have specific qualifying conditions. For residential homes, cottages, and qualifying rental properties, their posted rates are:
| Term | Posted Rate (%) |
|---|---|
| 6-Month | 6.50 |
| 1-Year | 5.00 |
| 2-Year | 4.70 |
| 3-Year | 4.30 |
| 4-Year | 4.19 |
| 5-Year | 4.19 |
Cambrian also offers unique products such as the Best of Both Worlds Mortgage, which provides a special 2-year fixed rate and the flexibility to lock into a longer term during the initial period, penalty-free.
When compared to other major Manitoba lenders, Cambrian Credit Union remains highly competitive:
| Institution | 1-Year | 3-Year | 5-Year |
|---|---|---|---|
| Cambrian Credit Union | 5.00 | 4.30 | 4.19 |
| Access Credit Union | 4.89 | 4.19 | 3.99 |
| Westoba Credit Union | 4.99 | 4.19 | 3.99 |
| Centum Financial | 5.24 | 4.14 | 4.19 |
| DLC Mainstream Mortgages | 5.09 | 4.24 | 3.99 |
Cambrian’s 5-year fixed special rate of 3.99% is among the lowest available in Manitoba as of July 2025.
Cambrian Credit Union currently offers some of Manitoba’s most competitive mortgage rates, with special fixed rates as low as 3.99% for 4- and 5-year terms. Their unique mortgage options and rate guarantees make them a strong choice for eligible Manitoba homebuyers and refinancers. For the best rate and product fit, compare offers using theratefinder and consider starting your mortgage application online for a tailored solution.