Don’t just save your money, grow it with savings accounts that give you:
Competitive interest rates right from dollar one
100% deposit guarantee
No minimum balance requirement
Access your money while it grows with day-to-day chequing accounts that give you:
Daily interest
Optional overdraft protection
Access to 1,800+ ding free® ATMs across Canada
Help your kids get a running start on financial success with youth accounts that give them:
Excellent interest rates right from dollar one
Low or no monthly fees
No monthly fees
Manage your accounts your way with easy and effortless banking options including:
Online banking options for every account size
Dedicated tellers at every branch
Low-risk investing with GICs in various term lengths, available in both Canadian and U.S. funds.
Earn a guaranteed rate of return
100% deposit guarantee*
GICs are also available in an RRSP, RRIF, or TFSA
Save for a rainy day, a big purchase, or get ready for retirement with a Tax-Free Savings Account.
Earn tax-free interest
Manage your TFSA online or using the SCU app
Save for your retirement and reduce your taxable income now with an RRSP.
Enjoy tax-deferred savings
Make tax-deductible contributions
Choose from a variety of investing options
Give a child in your life a head start on their post-secondary education with an RESP.
Earn tax-sheltered interest
Take up to 35 years to use funds
Increase savings with government grants
Convert your RRSP to a RRIF and enjoy a steady income while still earning interest on your money.
Defer tax payments
Continue to grow your nest egg
Use an RDSP to provide future financial security for an individual who receives the disability tax credit.
Keep existing disability benefits
Reach your investment goals with online investing made easy by Qtrade Investor and VirtualWealth™.
Advanced investment software
Fast, friendly, and knowledgeable customer support
Invest in your future with some of the best home mortgage options available and get:
Competitive variable and fixed interest rates
Up to 25 years to repay with as little as 5% down
Pre-payment and extra-payment privileges
Re-imagine your living space and increase the value of your home with a renovation mortgage and get:
Variable or fixed rate options
Leverage existing or “as-complete” home equity
Make your dream home a reality with self-build mortgages that give you:
A 12-month interest-only period
Access to funds when and how you need them
Contractor-build mortgages offer a variety of options suited to the building process including:
Turn-key mortgages
Assumption mortgages
Ready-to-move mortgages
Build a personal portfolio of rental properties with specially designed mortgages that give:
25 years to repay
Pre-approval based on projected rental income
Up to six rental units at our personal rate
Realize your dream of owning a cottage or vacation property with a mortgage that gives you:
Up to 80% financing
Ability to purchase on government leased land
Our New-to-Canada mortgage is designed to help newcomers find a home in their new community. We make this easier with:
No income verification requirements
Flexible payment options
In-person approval
We've been lending specialists for more than 75 years. We'll make sure you always get the best mortgage.
Expertise to craft custom solutions for unique needs
Local, in-house decision making
As little as a 5% down payment and up to 25 years to repay
Get the funds you need to consolidate your debt, contribute to your RRSP, or make a large purchase.
Competitive interest rates
Flexible repayment plans
No pre-payment penalties
Get the right amount of money at the right time with a pre-approved credit limit.
Get approved once, access funds as you need
Only pay interest on the funds you use
Our most prestigious card offering elite-level privileges, unique benefits, and exceptional service wherever you go.
$120 annual fee
Earn 2 points for every $1 spent1
Comprehensive travel protection3, price protection2, and exceptional benefits
Covering everything from baggage loss to emergency healthcare, this one card lets you rest easy when you’re on the go.
$99 annual fee
1 point for every $1 spent
Earn DOUBLE points for purchases in foreign currency1
Extensive insurance coverage on car rental, trip cancellation or trip interruption3
Shop in the U.S. and skip the exchange fees. No foreign transaction fees mean even more savings on everything you buy.
$50 annual fee (USD)
Earn 1 point for every $1 USD spent1
No foreign transaction fees for purchases made in the U.S.2
Get a customized credit line and interest rate to benefit your lifestyle and spending habits.
$40 annual fee
Earn one point for every $1 spent1
Low, variable interest rate
A no frills card that gives you a low annual fee, low interest rate, and essential purchase protection.
$30 annual fee
Low interest rate
Extended warranty, purchase protection2, and 24/7 customer service
Earn reward points while enjoying a low interest rate on purchases and cash advances.
$50 annual fee
Earn 1 point for every $1 spent1
Low interest rate, purchase protection2, and 24/7 customer service
Make everyday buying a bit more rewarding! Earn cash rewards on everyday purchases.
$0 annual fee
Earn 1% cash back with every 1 point earned1
Earn one point for every $1 spent and double points on gas purchases!
The smart choice for students looking to build credit and begin their financial future.
Enjoy an extended warranty on almost everything you buy2
Zero liability fraud protection2 and 24/7 customer service
Make sure your family is taken care of in case of death, disability, or critical illness.
Protect your estate from taxes
Replace lost income, preserve or supplement retirement savings
Cover funeral costs, mortgage repayment, and children’s tuition
Cover loan payments in case of the unexpected. Coverage options include: life, disability, critical illness, or loss of employment.
Protect your assets
Safeguard your savings
Maintain current credit score
Protect your biggest investment; your home! Coverage options include: life, disability, critical illness, or loss of employment.
Enrolling is easy and arranged at the time of your mortgage application
Safeguard your home from theft and other unforeseen events.
No premium increases for client‐paid claims
Claim counselling service for all your questions
Easily manage your policies online
Enjoy your trip worry-free with coverage for missed flights, trip cancellations, lost luggage, and hospital visits.
Up to $10 million coverage for emergency hospital visits or medical care
Multi-trip plan insurance for those who travel multiple times a year
24/7 access to multi-lingual emergency travel assistance
Another announcement
Build a portfolio of up to six properties.
We make it as easy to build a portfolio of up to six properties as it is to obtain a conventional mortgage on a primary residence.
Best for members who take comfort in knowing exactly how much equity they'll build by the end of their mortgage term.
3.29%
1-year
Features
Available in 1 to 5-year terms for up to 25 years’ amortization
Guaranteed rate of interest and set payment amounts throughout the term length
Prepay up to 20% of the original principal amount yearly with no penalty
Current consumer rates. Conditions apply.
Best for those who want an opportunity to get ahead in amortization and pay their mortgage off faster.
3.95%
Offers the most flexible repayment options of any SCU mortgages
Make additional payments anytime without penalty
Interest floats as per our currently posted rates
Current variable interest rate. Conditions apply.
Best for those who want to get ahead in amortization while keeping payments consistent.
3.35%
Pay your home off faster if rates decrease
The amount you pay each month remains the same throughout your term. The amount paid toward principal and interest fluctuates as rates change
Available as a 5-year term for up to 25 years’ amortization
Best for those who want the benefits of a variable rate with a protective ceiling should rates increase.
3.60%
Capped at 5-year fixed rate + 1.00%
Offers the flexibility of a variable mortgage, but capped at 1% above the current posted rate for a 5‑year term
Enjoy peace of mind knowing you’re protected from rising rates
Available as a 5-year term with up to 25 years' amortization
When you’ve saved enough for a down payment, we’ll sit down with you to show you all your available mortgage options. Together, we’ll determine what mortgage amount you qualify for and give you a guaranteed rate for a period of 90 days. See our list of pre-approval requirements here.
As you build your portfolio with additional properties, you’ll have more available options to securing the down payment for your next property. We can work with you to leverage your assets and increasing equity to assemble the down payment.
As your real estate investment portfolio grows, you’ll require the help of experts more and more. We have built relationships with all kinds of professionals to assist you, from property tax managers and property inspectors to tax consultants. Speak with us for an introduction.
Explore how much mortgage you can afford with our mortgage payment calculator.
The way we approach mortgages is a little different, find out more about our unique approach.
There's new rules but has anything changed in the housing market? Find out!
Terms and Conditions
All rates are subject to change without notice. Some conditions may apply. See us for details.
*When total financing at SCU exceeds $1.25 million or six doors, or when rental income comprises a majority of your total income, you’ll be assigned a business account manager. He or she will be a local decision maker who lives in your community and understands the Manitoba real estate market.