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Your homeownership journey starts here.

At Assiniboine Credit Union, we know every homeownership journey is different. Whether you're buying your first home, building from the ground up or renewing or refinancing, ACU offers flexible, values-based mortgage solutions tailored to your goals, with expert advice every step of the way.

Mortgage options built for you

Whether you’re a first-time home buyer, renewing or looking to refinance, ACU mortgage professionals can guide you through every step of your mortgage journey, from start to finish.

With expert advice, a flexible range of mortgage types and terms, and industry-competitive mortgage interest rates, we’ll help you build an affordable, customized mortgage solution that meets your every need. 

ACU mortgage rates*

*Rates subject change

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1-year fixed

{Mortgage rates:Best rate fixed closed mortgages:5-year:value}

5-year fixed

{Mortgage rates:Variable rate closed mortgage:5-year:value}

5-yr variable closed

Find your perfect mortgage

ACU offers a variety of mortgage options designed to match your financial goals and lifestyle. From fixed and variable rates to flexible payment terms and specialty options, we’ll help you choose the mortgage that works for you—now and into the future.

Fixed rate mortgage

Lock in peace of mind with predictable payments. A fixed rate mortgage offers stability for your budget over the life of your term.

Features

  • Available in 6-month and 1- to 5-year terms, with amortization periods up to 30 years
  • Guaranteed interest rate and set payments throughout your term

  • Predictable monthly payments make budgeting easier

  • Some prepayment allowed annually (up to 20% lump sum and/or payment increase)

Ideal for members who value stability and long-term planning

Variable rate open mortgage

Flexible and fast-moving, this mortgage lets you take advantage of changing rates, while keeping the door open to pay off your loan sooner.

Features

  • Available in a 1-year term, with amortization up to 30 years
  • Interest rate fluctuates with ACU’s prime rate

  • Make extra payments or pay off your mortgage at any time with no penalties

A great option if you’re planning to sell or refinance in the near future

Variable rate closed mortgage

Lower initial rates with structured flexibility—this option helps you save on interest while making steady progress toward homeownership.

Features

  • Available in a 5-year term, with amortization up to 30 years
  • Interest rate fluctuates with ACU’s prime rate
  • Some prepayment allowed annually (up to 20% lump sum and/or payment increase)

Good for members seeking lower rates but who don’t plan to pay off their mortgage early

Ready to apply for your mortgage? Apply online.

Skip the line and apply online in minutes. It's fast, secure, and you’ll be connected with a trusted ACU mortgage advisor to guide you the rest of the way.
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Mortgage ready with the right tools and advice

Understanding your mortgage options is a smart first step. Find out everything you need to know about the application process, different mortgage types, terms and more on our mortgage basics page.

Check out ACU's mortgage calculator

Get a rough estimate of what you can afford based on your income, expenses, and potential mortgage payments. It’s a great first step in planning for your home purchase.

Mortgages for all

Mortgage renewal

Whether this is your first renewal or you’ve been through the process before, we’ll help you find  a low rate mortgage option that works for your goals and budget. Lock in and hold your mortgage interest rate and preferred term for 90 days before your renewal date. 

Mortgage refinancing

Are you looking to renovate, consolidate debt or free up funds to purchase a cottage or rental property? Contact an ACU advisor to explore flexible refinancing options at any point during your mortgage cycle.

Specialty mortgages

Discover mortgage products that let you do more. ACU’s specialty mortgage solutions are designed for unique situations—from building a custom home to financing renovations, purchasing a vacation property, or following faith-based principles. Whatever your needs, we have options that align with your life and values.

Renewing soon? We’re here to help.

We’ve gathered expert insights and tips into one helpful video hub—created with ACU members in mind.
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First-time home buyers

If you’re looking to buy your first home in Manitoba, ACU is here to help you every step of the way! We offer great mortgage rates, advice and guidance on the entire home buying process—from costs, pre-approval and down payment options to savings strategies that will help you realize your home ownership dreams.
Learn more
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I like ACU’s values

What else does getting an ACU mortgage support?

When you get a mortgage with ACU, you’re helping support better housing—you’re playing a part in addressing local housing challenges. Each year, ACU makes a donation to organizations working on affordable housing initiatives, such as Zoongizi Ode, the Astum Api Niikinaahk Tiny Home Project and Kinew Housing.

Not an ACU member? You're welcome here. 

When you choose a mortgage with ACU, becoming a member means more than great rates. It means joining a financial co-operative that puts people and community first. Let’s start with your mortgage and grow from there.

Have a mortgage not currently with ACU?  We cover up to $800 in transfer fees—and you get to enjoy our competitive mortgage rates and personalized service!

Why switch to ACU?

  • Values-based banking – As a financial co-operative, we are committed to doing what’s right for our members and communities.

  • Personalized service – We take the time to understand your goals and help you find the right mortgage solution.

  • Flexible options – Competitive rates, a variety of term lengths, and payment flexibility to fit your needs.

  • Local decisions, local support – Our mortgage decisions are made with a deep understanding of our members and the communities we serve.

Become a member today!
Connect with an ACU advisor to explore your options. 

Book an appointment

Your questions answered

What information do I need to apply for a mortgage?

Generally, when applying for a mortgage or pre-approval in Winnipeg, your mortgage specialist will need to see proof of employment and income verification (such as pay slips or tax documents), and your basic financials (assets and liabilities). Your mortgage specialist will also ask permission to obtain your credit bureau report.

For more details, check out our checklist for required mortgage documents.

What is a mortgage pre-approval?

With mortgage pre-approval, you go through the application and approval process before you find a property you’d like to purchase. Pre-approval gives you a clear picture  of the size of mortgage you qualify for and the price range of homes you should be considering. Mortgage pre-approvals are typically good for 90 days.

When can I renew my mortgage?

Your mortgage specialist will contact you at least six months before your mortgage is set to renew to start discussing current mortgage rates and renewal options. Within 90 days of your renewal date, you can lock in and hold an ACU mortgage rate—so if mortgage interest rates happen to go up, you’ll be guaranteed that number.

Have questions? We're here to help.

Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.

Contact us