Cambrian Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
WOWA.ca provides independent reviews using publicly available data and is not affiliated with Cambrian Credit Union.
Shopping for financial products in Manitoba? This 2026 Cambrian Credit Union overview evaluates its latest rates and account features against major Canadian banks and regional credit unions. Select a topic below to inspect specific rates and data:
- Compare Cambrian Credit Union Mortgage Rates — 1- to 5-year fixed and variable terms.
- Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields backed by DGCM.
- Financial Overview & Asset Rank — Key performance data for Cambrian Credit Union (ranked #18 in Canada with $5.1 billion in assets).
- Branch Network & Accounts — Account options and local branch access.
Credit Union
Cambrian
Cambrian Credit Union is a credit union located in Manitoba. It was founded in 1959. It primarily serves Winnipeg and Selkirk.
Cambrian Credit Union was founded in Winnipeg in 1959 as Co-operators Credit Union, originally serving members of Red River Co-op as a closed bond institution. Over time, it expanded through mergers with community and workplace based credit unions, eventually bringing together more than two dozen predecessor organizations into a cooperative serving the Winnipeg and Selkirk markets.
In 1998, Cambrian launched Achieva Financial, a division of Cambrian and one of Canada’s first online only financial institutions. Achieva gave savers a way to bank digitally at a time when online banking was still developing.
Today, Cambrian offers personal and business banking, mortgages, loans, investments, and financial advice. Its cooperative model remains rooted in Manitoba, with a focus on member ownership and accessible financial services.
Provinces served
Number of Members (as of 2025): ~71,000
Cambrian Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Uninsured home ≥ $1M or refinances |
|---|---|---|---|---|
| Cambrian Credit Union | 6-Month Fixed | 6.50% | 6.50% | 6.50% |
| Cambrian Credit Union | 1-Year Fixed | 5.00% | 5.00% | 5.00% |
| Cambrian Credit Union | 2-Year Fixed | 4.70% | 4.70% | 4.70% |
| Cambrian Credit Union | 3-Year Fixed | 4.19% | 4.19% | 4.19% |
| Cambrian Credit Union | 4-Year Fixed | 4.09% | 4.09% | 4.09% |
| Cambrian Credit Union | 5-Year Fixed | 4.09% | 4.09% | 4.09% |
| Cambrian Credit Union | 5-Year Variable | 3.50% | 3.50% | 3.50% |
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | ||||
Understanding Cambrian Credit Union Mortgage Features
- Prepayment Privileges: Most credit unions in Manitoba allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
- Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
- Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.
Estimate your payments using WOWA's Mortgage Payment Calculator.
Cambrian GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 1-Year | 3.55% | 3.55% |
| 2-Year | 3.65% | 3.65% |
| 3-Year | 3.85% | 3.85% |
| 4-Year | 3.80% | 3.80% |
| 5-Year | 3.90% | 3.90% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | ||
Cambrian Credit Union Ranking Among Credit Unions Monitored by WOWA
18th
by Assets
of 134 credit unions
18th
by Loans
of 133 credit unions
17th
by Deposits
of 133 credit unions
Cambrian Credit Union ranks 18th among Canadian credit unions by assets monitored by WOWA, 18th by loans, and 17th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Cambrian Credit Union Branch Locations
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Basic Chequing
- Standard Fee
- $9.50/mo
- Free Transactions
- 30
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- Unlimited
Account details
- This account allows 30 free transactions. Maximum 2 of these transactions can be carried out in branch.
- Unlimited free transactions are included with enrollment in direct deposit.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999 0.05% $3,000 to $4,999 0.10% $5,000 or over 0.15% - Cambrian Basic Chequing has a $9.50 monthly fee and includes 3 Interac e-Transfers and 2 withdrawals at other Canadian financial institutions per month. With a qualifying recurring monthly direct deposit, Cambrian’s Unfee program refunds the monthly account fee and eligible transaction and overdraft protection fees.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
2. Account: Connect Account
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions. All of these transactions can be carried out in branch.
- 3 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999 0.05% $3,000 to $4,999 0.10% $5,000 or over 0.15% - *This account is available for youth and students only.
- Cambrian Connect Account is a no-monthly-fee account for members age 22 and under. Qualifying service fees are automatically refunded without requiring a monthly direct deposit. It includes 3 free Interac e-Transfers per month, and the $7.50 monthly ATM/debit card fee is refunded. Daily debit card limits vary by age.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
3. Account: Premium Chequing
- Standard Fee
- $19.50/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions. All of these transactions can be carried out in branch.
- 10 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999 0.05% $3,000 to $4,999 0.10% $5,000 or over 0.15% - Cambrian Premium Chequing is a $19.50-per-month account with 10 Interac e-Transfers and 3 withdrawals at other Canadian financial institutions and Cirrus ATMs outside Canada per month. It also includes 1 personalized cheque order annually and a $10 safety deposit box discount. A qualifying recurring monthly direct deposit activates Unfee, refunding eligible fees.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
4. Account: Standard Chequing
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions. Maximum 0 of these transactions can be carried out in branch.
- Unlimited free transactions are included with enrollment in direct deposit. Bill Payment (Online): $0.85 Member-to-Member Transfer: $1.00 Interac e-Transfer: $1.00 Pre-Authorized Debit: $0.85 Interac Direct Debit: $0.85 ATM Withdrawal (Canada): $0.85 In-Branch Withdrawal: $0.85 Bill Payment (In Branch): $2.00
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999 0.05% $3,000 to $4,999 0.10% $5,000 or over 0.15% - Cambrian Standard Chequing is a no-monthly-fee, pay-per-transaction account. Most common transactions cost $0.85 each, while Interac e-Transfers cost $1 each. With a qualifying recurring monthly direct deposit, Unfee refunds eligible transaction fees for services such as bill payments, cheques, pre-authorized debits, transfers, and credit union ATM withdrawals.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Savings Accounts
Savings Account
Account: Premium Savings Account
- Interest Rate
- 1.40%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions. Maximum 0 of these transactions can be carried out in branch.
- Unlimited free transactions are included with enrollment in direct deposit.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Cambrian Premium Savings is a no-monthly-fee savings account with no minimum balance requirement. Interest is calculated on the daily closing balance and paid monthly. It includes 1 free Canadian credit union ATM withdrawal per month, plus 1 additional free withdrawal for each additional direct deposit. Qualifying transaction fees are refunded through Unfee with a monthly direct deposit.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $5,132M | +2.9% | +11.0% |
| Loans | $4,139M | +8.1% | +17.4% |
| Deposits | $4,684M | +2.7% | +10.6% |
| Loan-to-Deposit Ratio | 88.4% | — | — |
| Mortgages + HELOCs | $2,374M | +8.1% | +14.4% |
| Securities | $956M | -14.9% | -9.9% |
| Revenue | $103M | +24.1% | +35.5% |
| Efficiency Ratio | 67.1% | — | — |
| Target Members / Region | Winnipeg and Selkirk | — | — |
Cambrian Credit Union Deposits, Loans and Revenue in the Past 5 Years
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- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.