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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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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
3 Year Fixed Special Offer
4.1
%
4 Year Fixed Special Offer
3.94
%
5 Year Fixed Special Offer
3.99
%
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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.
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Effective
Oct 30, 2025
3.50
%
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
Oct 30, 2025
4.45
%
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Fixed Rates

Lock in this rate for up to 4 months
Mortgage term
Interest rate
6 Month
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Effective
Dec 20, 2024
6.50
%
1 year
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Effective
Jan 6, 2025
5.00
%
2 year
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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
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Effective
Dec 20, 2024
4.19
%
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Mortgage Comparison Calculator

Lock in our mortgage rate with Cambrian’s Best Rate Guarantee.

On the date you apply for a Cambrian mortgage, we automatically lock in our current fixed mortgage rates for you, for up to 4 months. If mortgage rates go up while you are house hunting, you are safe because your rate is locked in.

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Read more about our Best Rate Guarantee
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Buying a home or considering switching your mortgage?

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