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Our Rates

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

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when our rates have been updated!

All RatesMortgage RatesGIC RatesAccount RatesExchange RatesPrime Rates

Mortgage Rates

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

*All rates and conditions subject to change without notice.

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Residential Mortgages

Special Offer

Mortgage term
Interest rate
2 Year Fixed Special Offer - Best of Both Worlds*
3.94%
3 Year Fixed Special Offer
4.1
%
4 Year Fixed Special Offer
3.99
%
5 Year Fixed Special Offer
3.99
%
Calculate my payment
Special Offer Mortgage Rates cannot be combined with any other mortgage offer.

Special Offer Mortgage Rates apply to new, refinanced or renewed mortgages for primary residences and cottages; excludes rental and commercial properties. All new mortgages (purchased or transferred-in) must be at least $200,000 and are subject to credit approval. Rates subject to change without notice.

This offer is subject to change or cancellation without notice at the sole discretion of Cambrian Credit Union.

*Terms and Conditions apply

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.
Calculate my payment
Effective
Mar 25, 2025
4.00
%
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.
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Effective
Mar 13, 2025
4.95
%
Calculate my payment

Fixed Rates

Lock in this rate for up to 4 months
Mortgage term
Interest rate
6 Month
Calculate my payment
Effective
Dec 20, 2024
6.50
%
1 year
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Effective
Jan 6, 2025
5.00
%
2 year
Calculate my payment
Effective
Jan 6, 2025
4.70
%
3 year
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Effective
Dec 20, 2024
4.30
%
4 year
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Effective
Dec 20, 2024
4.19
%
5 year
Calculate my payment
Effective
Dec 20, 2024
4.19
%
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
Calculate my Interest
Effective
Mar 25, 2025
3.40
%
2 year
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Effective
Feb 14, 2025
3.40
%
3 year
Calculate my Interest
Effective
Mar 25, 2025
3.25
%
4 year
Calculate my Interest
Effective
Mar 25, 2025
3.25
%
5 year
Calculate my Interest
Effective
Mar 25, 2025
3.40
%
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
3.00
%
Effective
Mar 25, 2025
2nd Year
3.10
%
Effective
Mar 25, 2025
3rd Year
3.20
%
Effective
Mar 25, 2025

5 Year Rate Climber

1st Year
3.10
%
Effective
Mar 25, 2025
2nd Year
3.15
%
Effective
Mar 25, 2025
3rd Year
3.20
%
Effective
Mar 25, 2025
4th Year
3.25
%
Effective
Mar 25, 2025
5th Year
3.35
%
Effective
Mar 25, 2025

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
Calculate my interest
Effective
Jun 15, 2025
1.80
%
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Business Premium Savings

Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
On entire balance
Calculate my interest
Effective
Mar 13, 2025
1.40
%
Calculate my interest

TFSA

Effective
Method of calculation
Effective
Interest rate
No items found.
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RRSP & RRIF Variable Rate Deposits

Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
On entire balance
Calculate my interest
Effective
Mar 13, 2025
1.80
%
Calculate my interest

Chequing Rates

Balance
Method of calculation
Interest rate is applied to entire balance in account.
Interest rate
$0 - $2999
On entire balance
Effective
Mar 5, 2009
0.05
%
$3000 - $4999
On entire balance
Effective
Mar 5, 2009
0.10
%
$5000+
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
Jun 13, 2025
1.3824
sell
US Currency
Effective
Jun 13, 2025
1.3424



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
Calculate my Interest
Effective
Mar 13, 2025
4.95
%

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