A mortgage that puts YOU in control.

Whether you’re a longtime member, or brand new to Crosstown Civic Credit Union, you can count on receiving the best options available.

As fellow members, we are committed to finding mortgage solutions that fit your goals and lifestyle.

As a member, you are a true owner of CCCU. We will always serve in your best interest.

Find My Branch

Connect With a Mortgage Advisor

Beyond offering you the best mortgage rates available, we will get to know your current situation and understand your goals so we can help develop a personalized mortgage plan that works for you.

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Low 2.95% rate

We offer Manitoba's leading mortgage rates. Each year, members have the option to put down a 20% prepayment on their mortgage, and can refinance up to 80% of the appraised value of your home.


Lock-in anytime

Whether buying, renovating, or building from the ground up, you can lock-in anytime with our five-year variable rate. If prime increases, you can choose to convert to a fixed-rate term equal to or greater than your remaining variable term.


We've got you covered

Switching to Crosstown Civic Credit Union has never been easier. We'll take care of all the details and even help cover some of your transfer-related fees*.

*Please see your in-branch representative for more details.


When you refer a friend to a CCCU mortgage*, we’ll put $100 in YOUR account and your friend will receive $250 off their closing costs.

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It’s a great reward for sharing something wonderful with the people you care about!

*Program expires August 31, 2018 and is subject to change or cancellation at any time. Conditions apply. See our website for more details at www.crosstowncivic.mb.ca or visit us in branch.

Connect with a CCCU advisor to learn more.


Mortgage solutions tailored to your needs

Buying or building a new home? Refinancing your property or getting a cottage? It's a big deal—and while exciting, the process can be somewhat overwhelming at times. We will help you every step of the way. Informed, confident and comfortable, together, we'll put you in control of the right mortgage for you.

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Connect with a mortgage advisor

We’ll walk you through the entire home-purchasing process and answer any questions you may have. No surprises, whether you’re buying your first home, refinancing your existing mortgage or looking to purchase a cottage, let our experienced team get you into your home.

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Get in control

The more you know, the more empowered you’ll be with the home buying experience. When you meet with your CCCU advisor, we’ll help you:

  1. Explore your home needs and purchase price, mortgage amount and down payment options.
  2. Learn about mortgage options, such as fixed vs. variable terms, payment options and amortizations. We'll find what works best for you.
  3. Guide you through your home purchase from pre-approval to getting the keys to your new home.

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Get pre-approved for your home today!

With your preapproval letter in hand, you’ll be able to:

  • Save time house-hunting by knowing was you can afford.
  • Feel peace-of-mind with a smoother buying process.
  • Your offer to a seller will be considered more seriously because you’ll have proof of your solid financial backing. You’ll also have added negotiating power with the seller.
  • Get guarantees on your rates up to 90 days from your preapproval.
  • Preapproval is available at no cost and you’ll be free of any obligation or commitment.

Once you meet with a CCCU advisor and fill and application, we can qualify you for preapproval.

You will need to provide information on your employment, income, assets, down payment and current liabilities.

Are you ready to go? Let’s make your future home happen.


Not quite there yet? We’ll help you with a savings strategy that will help take you home.

Crosstown Civic Credit Union Member Rewards

Member Rewards are our way of saying Thank you!

As true owners, our members receive a share in our annual profits. To date, the CCCU Member Rewards program has returned over $61 million to our members.