Frequently Asked
Questions

Joining Cambrian Credit Union is straightforward. You need to be a Manitoba resident, complete a membership application, and purchase a nominal membership share. You can apply in person at our branch at 225 Broadway, Winnipeg, or start the process online. Membership is open to individuals, businesses, and organizations alike.

• Manitoba residency required
• Valid government-issued ID
• One-time membership share purchase
• Complete a short application form

There is a small, one-time membership share purchase required to become a member-owner of Cambrian Credit Union. This share represents your ownership stake in the credit union. Unlike a fee, this amount is held in your account and is refundable if you ever decide to close your membership. There are no ongoing annual membership fees.

Cambrian Credit Union welcomes individuals and families living or working in Manitoba, local businesses, non-profit organizations, and community groups. As a member-owned cooperative, we are proud to serve a diverse community across Canada. If you are unsure whether you qualify, contact our team and we will help determine your eligibility.

We offer a comprehensive range of accounts tailored to your financial goals as part of our cambrian credit union services:

• Personal Chequing Accounts — everyday spending and bill payments
• Personal Savings Accounts — grow your savings with competitive rates
• Business Chequing & Savings Accounts
• Tax-Free Savings Accounts (TFSA)
• Registered Retirement Savings Plans (RRSP)
• Guaranteed Investment Certificates (GIC)
• Youth and student accounts with special benefits

Yes. As a Manitoba credit union, your deposits at Cambrian Credit Union are protected by the Deposit Guarantee Corporation of Manitoba (DGCM). This provides unlimited deposit protection on eligible deposits — meaning your savings, chequing, and GIC balances are fully protected regardless of amount. This is a key advantage over many other financial institutions.

Opening a new account is quick and easy. Existing members can open additional accounts directly through online banking or by visiting our branch. New members will need to complete a membership application first. You'll need:

• Two pieces of valid government-issued ID
• Your Social Insurance Number (SIN) for registered accounts
• An initial deposit (amount varies by account type)

We provide a wide range of lending solutions to help you reach your financial goals:

• Personal loans and lines of credit
• Auto and vehicle financing
• Residential mortgages (fixed and variable rates)
• Home equity lines of credit (HELOC)
• Renovation and home improvement loans
• Business loans and commercial lending
• Student and education loans

Applying for a mortgage at Cambrian starts with a conversation with one of our mortgage specialists. You can book an appointment online or call us at +1 204-925-2727. To prepare, gather the following documents:

• Proof of income (pay stubs, T4s, Notice of Assessment)
• Employment verification letter
• Bank statements from the past 3 months
• Information about the property you wish to purchase
• Details of existing debts and assets

Our rates are highly competitive and reviewed regularly to reflect current market conditions. Because we are member-owned, we reinvest our earnings back into the membership rather than distributing them to external shareholders, which means we can often offer better rates than traditional banks. For the most current rates on mortgages, personal loans, and lines of credit, please contact us or visit our branch.

Yes! Cambrian Credit Union provides full-featured online and mobile banking so you can manage your finances anytime, anywhere. Our digital banking platform includes:

• Account balances and transaction history
• Bill payments and e-transfers
• Mobile cheque deposits
• Fund transfers between accounts
• Account statements and notifications
• Loan and mortgage management

You can reset your online banking password in a few simple ways. On the login page, click "Forgot Password" and follow the prompts to receive a secure reset link via email or SMS. Alternatively, you can call our member services team at +1 204-925-2727 during business hours, or visit our branch at 225 Broadway, Winnipeg, with valid ID for in-person assistance.

We take the security of your personal and financial information extremely seriously. Cambrian Credit Union employs multiple layers of security including 256-bit encryption for all online transactions, multi-factor authentication, real-time fraud monitoring, and strict internal data access controls. We are also fully compliant with the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

If you notice any suspicious or unauthorized activity on your account, act immediately:

• Call us right away at +1 204-925-2727
• Log into online banking and change your password
• Review your recent transactions for any unrecognized charges
• Do not respond to suspicious emails or phone calls asking for your credentials

Our fraud team is available to assist you and can temporarily freeze your accounts while an investigation is conducted.

Cambrian Credit Union does not sell your personal information to third parties. We may share certain information with trusted service providers who assist us in delivering our services (such as payment processors), but only under strict confidentiality agreements and solely for the purpose of providing services to you. We will always notify you of material changes to our privacy practices. You can review our full privacy policy for complete details.

Our main branch is conveniently located at:

• Address: 225 Broadway, Winnipeg, MB R3C 5R4, Canada
• Monday – Friday: 9:00 AM – 6:00 PM
• Saturday: 10:00 AM – 4:00 PM
• Sunday: Closed

Online banking is available 24/7. For urgent matters outside business hours, please call +1 204-925-2727 to reach our after-hours support line.