St. James ATM Replacement
Our St. James ATM will be unavailable on February 26 and 27 while we upgrade our machine. Please view the full list of alternate ATM locations below. We appreciate your patience.
Locations page
st-james-atm-replacement
New envelope-less Cambrian ATMs
Our new ATMs no longer require envelopes for cash or cheque deposits. To learn more, click the link below!
New ATMs
new-envelope-less-cambrian-atms
Scam Alert
Please be aware that fraudulent callers are posing as Cambrian Credit Union. We have not initiated calls about account or credit card transactions. Please hang up and do not engage with these calls.
scam-alert

Our Rates

Save with our low mortgage rates and earn higher returns with our competitive savings and GIC rates.

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can subscribe to be notified
when our rates have been updated!

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Mortgage Rates

Mortgage rates apply to residential homes, cottages and qualifying residential rental properties.

*All rates and conditions subject to change without notice.

Residential Mortgages

Special Offer

Mortgage term
Interest rate
3 year fixed special offer
Effective
5.60
%
4 year fixed special offer
Effective
5.50
%
5 Year Fixed Special Offer
Effective
5.30
%
Calculate my payment

Variable Rates

Mortgage term
Interest rate
5 Year Variable Closed Mortgage
The 5 Year Variable Closed Mortgage has a variable interest rate, meaning the rate can fluctuate up or down with changes in economic/market conditions. Your payment amount may change depending on the changes in interest rates.
Effective
Jul 13, 2023
6.25
%
Variable Open Mortgage
The Variable Open mortgage rate is variable, meaning that it can fluctuate up or down with changes in economic conditions/market environment. Your payment amount may change depending on the changes in interest rates.
Effective
Jul 13, 2023
7.20
%
Calculate my payment
Mortgage term
Interest rate
6 Month
Effective
Nov 1, 2023
7.00
%
1 year
Effective
Jan 11, 2024
6.30
%
2 year
Effective
Feb 5, 2024
6.20
%
3 year
Effective
Feb 5, 2024
5.70
%
4 year
Effective
Feb 5, 2024
5.60
%
5 year
Effective
Feb 5, 2024
5.40
%
Calculate my interest

GIC Rates

Earn a higher rate than your savings account, with a guaranteed return.

*All rates and conditions subject to change without notice.

GIC/RRSP/RRIF/TFSA
*Min deposit $1000
Term
Interest rate
1 year
Effective
Feb 5, 2024
5.20
%
2 year
Effective
Jan 11, 2024
5.15
%
3 year
Effective
Feb 5, 2024
4.80
%
4 year
Effective
Feb 5, 2024
4.70
%
5 year
Effective
Feb 5, 2024
4.60
%
Calculate my interest

GIC interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date, and at maturity. Interest rates are guaranteed for the duration of the specified term. GICs are not redeemable prior to maturity.

3 Year Rate Climber

1st Year
4.60
%
Effective
Feb 5, 2024
2nd Year
4.70
%
Effective
Feb 5, 2024
3rd Year
4.75
%
Effective
Feb 5, 2024

5 Year Rate Climber

1st Year
4.30
%
Effective
Feb 5, 2024
2nd Year
4.40
%
Effective
Feb 5, 2024
3rd Year
4.45
%
Effective
Feb 5, 2024
4th Year
4.50
%
Effective
Feb 5, 2024
5th Year
4.60
%
Effective
Feb 5, 2024

GIC interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date, and at maturity. Interest rates are guaranteed for the duration of the specified term. GICs are not redeemable prior to maturity.

Account Rates

Earn daily interest and grow your chequing and savings balance.

Interest is calculated daily and paid monthly.

*All rates and conditions subject to change without notice.

Accounts

Premium Savings

Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
On entire balance
Effective
Feb 25, 2024
3.45
%
Calculate my interest

Business Premium Savings

Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
On entire balance
Effective
Jul 13, 2023
3.05
%
Calculate my interest

TFSA

Effective
Method of calculation
Effective
Interest rate
No items found.
Calculate my interest

RRSP & RRIF Variable Rate Deposits

Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
On entire balance
Effective
Jul 13, 2023
3.45
%
Calculate my interest

Chequing Rates

Balance
Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
$0 - $2,999
On entire balance
Effective
Mar 5, 2009
0.05
%
$3,000 - $4,999
On entire balance
Effective
Mar 5, 2009
0.10
%
$5,000+
On entire balance
Effective
Mar 5, 2009
0.15
%
Calculate my interest

Platinum Investment Savings

Platinum Savings Account is no longer available; existing accounts have been legacied.
Balance
Method of calculation
On entire balance: Interest rate is applied to entire balance in account.

On this portion: Interest rate is applied to only this portion of the account balance
Interest rate
0 - $4,999
On entire balance
On this portion
Effective
Mar 5, 2009
0.05
%
$5,000 - $9,999
On entire balance
On this portion
Effective
Mar 5, 2009
0.10
%
$10k- $24,999
On entire balance
On this portion
Effective
Mar 5, 2009
0.15
%
$25k - $49,999
On entire balance
On this portion
Effective
Apr 22, 2009
0.20
%
$50k - $99,999
On entire balance
On this portion
Effective
Apr 22, 2009
0.25
%
$100k - $249,999
On entire balance
On this portion
Effective
Sep 1, 2021
0.45
%
$250,000+
On entire balance
On this portion
Effective
Sep 1, 2021
0.65
%
Calculate my interest

Exchange Rates

*All rates and conditions subject to change without notice.

Exchange Rates
buy
US Currency
Effective
Feb 23, 2024
1.3676
sell
US Currency
Effective
Feb 23, 2024
1.3276



USD Account

Preferential USD exchanges available on transactions greater than $5,000 in US Dollar Accounts.

Members with USD accounts get preferential USD exchange rates of:

• 0.0025 for transactions of $5,000 - $25,000
• 0.0050 for transactions over $25,000

The premium/discount on buy/sell transactions will be applied on the exchange rate in effect on the date of the transaction.

PPrime Rates

*All rates and conditions subject to change without notice.

Prime Rate
Type
Interest rate
Prime Rate
Effective
Jul 13, 2023
7.20
%