Credit Union
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Cambrian

Advertiser Disclosure

About company

EstablisheCambrian Credit Union is a financial cooperative headquartered in Winnipeg, Manitoba. As a result of an array of credit union mergers, Cambrian has grown into one of the largest credit unions in Winnipeg and Selkirk. Today, Cambrian Credit Union has over $4.6 billion in assets and serves more than 66,000 members.

Features

Cambrian members are its part owners with a right to elect a Board of Directors that leads the strategic direction of the credit union. The voting process works based on the one member, one vote principle.

Cambrian Credit Union is notable for its active community involvement. Cambrian’s activities in this direction include:

  • Providing financial support to select non-profit organizations

  • Making charitable donations

  • Sponsoring local events and special projects

Pros and cons

Here are the benefits of being a Cambrian member:

  • A wide range of personal and business banking products and services

  • Access to an extensive network of ding-free ATMs

  • Safety of deposits guaranteed by the Deposit Guarantee Corporation of Manitoba

  • Competitive interest rates with a Premium Savings account

  • The Unfee solution allowing you to save on the service fees for bank accounts

  • Online and mobile banking capabilities

  • Useful tools and resources available on the Cambrian website

The drawbacks of Cambrian Credit Union are:

  • The availability of products and services to Winnipeg and Selkirk residents only

  • Monthly fees for most bank accounts without Unfee

Products

Cambrian Credit Union offers a range of personal banking products:

  • Chequing accounts for your everyday banking needs with different numbers of monthly transactions included

  • Savings accounts allowing to earn interest on the deposited funds

  • U.S accounts to perform transactions in U.S. dollars

  • Credit cards with benefits like zero fees, low rates, cash back, and reward-earning opportunities

  • Open and closed mortgages available at fixed and variable interest rates

  • Loans for different borrowing needs with a set repayment schedule

  • Lines of credit providing access to an approved financing amount that you can use whenever you need it 

  • Registered plans like RRSP, TFSA, RESP, and RRIF to grow your savings and investment income tax-free

  • GICs providing the security of your initial investment and a guaranteed return rate

  • Mutual funds providing access to professionally managed portfolios of diverse investment securities

  • Stocks, bonds, and ETFs available through the Cambrian financial advisors and with self-directed investing

  • Insurance products like travel insurance covering the emergency hospital and medical expenses while traveling and payment protection covering your financial obligations in case of unexpected life events

Products for business owners include:

  • Chequing accounts with one free transaction for each $500 minimum monthly balance

  • Savings accounts providing a 2.50% return on the entire balance

  • U.S accounts to perform your business operations in U.S. dollars

  • Business credit cards with benefits like zero fees, low rates, cash back, and reward-earning opportunities

  • Business loans providing working capital to your business

  • Business lines of credit providing revolving access to financing that you can use whenever you need it

  • Commercial mortgages providing financing for real estate projects of your business

  • Business GICs with terms of one to 5 years providing the security of your initial investment and a guaranteed return rate

  • Group RRSPs designed to help your employees save for their retirement

Services

For individuals, there are the following services at Cambrian:

  • Working with a wealth advisor to come up with the right strategy to achieve your financial goals

  • Online investing either through Qtrade Guided Portfolios™ providing automated recommendations on the investments or Qtrade Direct Investing™ for self-directed investing

  • Wealth Solutions Center providing expert investment advice from a team of experts via video and phone 

Cambrian services for business members include:

  • Customer Automated Funds Transfer services to set up pre-authorized payments to accounts at other financial institutions and manage your transfers electronically

  • Merchant Services designed to accept payments from your customers.

Cambrian Credit Union

FAQ

Who owns Cambrian Credit Union?

Cambrian Credit Union is a member-owned financial institution. To obtain membership and enjoy all its benefits, each member purchases a share in a credit union. Cambrian members aged at least 18 can vote to elect a Board of Directors based on the one member, one vote principle.

Is Cambrian Credit Union legitimate?

Cambrian Credit Union is a registered legal entity with the following LEI: 549300WM8SBUJW4LAE83.

Cambrian’s head office is at 225 Broadway Winnipeg, MB R3C 5R4.

How to become a Cambrian member?

You can apply for a Cambrian membership online. Go to the Cambrian Credit Union website, select “Apply” from the top navigation menu, and click “Apply for membership”. Then, select the preferred way to apply:

  • By presenting a valid photo ID through the Cambrian mobile app (no need to visit a branch)

  • By filling out the online application form and presenting a valid photo ID at one of the Cambrian branches

Company documents

Privacy Policy

Building a solid foundation that embraces innovation, invests in the future and empowers our people is essential to Cambrian’s continued long-term success. In 2021, we refocused Cambrian’s mission to deliver high member value through simplifying banking, saving our members time and money, and solving their financial problems.

© Cambrion Credit Union
Financial products
Cambrian
US Dollar Mastercard®
Rating by Finanso®
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Recommended FinScore™
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1000
Cambrian
Classic Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
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1000
Cambrian
Cash Back Mastercard®
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Recommended FinScore™
0
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1000
Cambrian
Centra Gold Mastercard®
Rating by Finanso®
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Cambrian
World Mastercard®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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Cambrian
Home Equity Line of Credit
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to 80% of home value
Cambrian
Personal Line of Credit
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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Cambrian
PayOff Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Cambrian
Personal Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
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1000
Cambrian
Premium Savings Account
Rating by Finanso®
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$0 monthly fee
Cambrian
Switching to Cambrian
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1000
Cambrian
Renewing and refinancing
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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1000
Cambrian
Variable closed mortgages
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

5.05%
Term
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Loan term for the financial product

60 month
Cambrian
Variable open mortgages
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

5.95%
Cambrian
Fixed closed mortgages
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

4.60% to 5.50%
Term
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Loan term for the financial product

6 to 60 months
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Similar products
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

19.75% - 21.49%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $5,000
Rate
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Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

21.99% - 22.99%
Best Quick Loan Today 18.07.2024*
Mr. Payday
Need a Quick Loan Now?
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $10.000
Coast Capital Savings
Personal Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$50,000
Rate
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Effective interest rate on the product

7.5%
Term
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Loan term for the financial product

60 months
Mogo
Personal Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$15,000
Rate
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Effective interest rate on the product

up to 46.96%
Term
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Loan term for the financial product

up to 60 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
1000.00 – 7500.00 C$
Rate
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Effective interest rate on the product

12.99 – 29.99 %
Term
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Loan term for the financial product

2 years – 5 years
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
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1000
$1,000 - $25,000
Rate
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Effective interest rate on the product

up to 33.92%
Term
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Loan term for the financial product

up to 60 months
Toronto-Dominion Bank
TD Every Day Savings Account
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Tangerine Bank
Savings Account
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Rate
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Effective interest rate on the product

1.00%
Scotiabank
Ultimate Package
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

up to $30.95 monthly fee
Royal Bank of Canada
Savings Deposit
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
no minimum deposit
Rate
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Effective interest rate on the product

0.5%
Mogo
Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

4.46%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000-$100,000,000
Rate
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Effective interest rate on the product

up to 4.95%
Term
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Loan term for the financial product

up to 10 years
Think Financial
Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$50,000-$500,000
Rate
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Effective interest rate on the product

up to 5.19%
Term
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Loan term for the financial product

up to 25 years
CHIP Reverse Mortgage
Reverse Mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100,000-$500,000
Rate
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Effective interest rate on the product

up to 7.67%
Term
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Loan term for the financial product

up to 25 years
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$10,000,000
Rate
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Effective interest rate on the product

up to 4.94%
Term
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Loan term for the financial product

up to 40 years
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