Rate guide · Manitoba · data as of 2026-10-16

Best mortgage rates in Manitoba

The lowest mortgage rates from the lenders that serve Manitoba, eligibility-checked before they're listed.

See top rates ↓ · All mortgage rates

Current lowest3.99%Me-Dian Credit Union

Lowest 5-year fixed rates in Manitoba

The benchmark 5-year fixed closed term, lowest first — one row per lender.

  1. 1Me-Dian Credit Union5-year fixed closed3.99%
  2. 2Flin Flon Credit Union5-year fixed closed · Promo4.09%
  3. 3Sunrise Credit Union5-year fixed closed4.09%
  4. 4First Nations Bank of Canada5-year fixed closed · Insured4.19%
  5. 5Niverville Credit Union5-year fixed closed · Promo4.20%
  6. 6Cambrian Credit Union5-year fixed closed4.25%
  7. 7Assiniboine Credit Union5-year fixed closed4.29%
  8. 8Compass Credit Union5-year fixed closed4.29%
  9. 9Steinbach Credit Union5-year fixed closed · Insured4.29%
  10. 10Stride Credit Union5-year fixed closed4.30%
  11. 11Access Credit Union5-year fixed closed4.39%
  12. 12Belgian Alliance Credit Union5-year fixed closed4.39%

Lowest rate per lender, any term in Manitoba

Each lender's single lowest posted rate — the term and type it applies to is next to the rate.

  1. 1True North Mortgage6-month fixed closed · Insured · Promo2.49%
  2. 2Cambrian Credit Union5-year variable closed3.50%
  3. 3Assiniboine Credit Union5-year variable closed3.60%
  4. 4EQ Bank5-year variable closed3.60%
  5. 5Neo Financial5-year variable closed3.60%
  6. 6Coast Capital Savings5-year variable closed3.69%
  7. 7Prospera Credit Union5-year variable closed · Promo3.69%
  8. 8Alterna Bank5-year variable closed · Insured · Promo3.70%
  9. 9First National Financial5-year variable closed · Insured3.70%
  10. 10Flin Flon Credit Union5-year variable closed3.70%
  11. 11Fusion Credit Union5-year variable closed3.70%
  12. 12Envision Financial (Tru)5-year variable closed · Insured3.70%

Manitoba mortgage questions

Who has the best mortgage rate in Manitoba right now?

Me-Dian Credit Union currently posts 3.99% (5-year fixed closed) — the lowest rate we track from institutions serving Manitoba, data as of 2026-10-16.

Are these rates open to people in Manitoba?

Yes — that's the point of this page. Every institution listed serves Manitoba: we check each one's membership eligibility and service area before it can appear, rather than listing national rates you may not qualify for.

Are these deposits insured?

Yes. Bank deposits are CDIC-insured up to $100,000 per category; credit-union deposits are covered by Manitoba's provincial fund — see deposit protection in Manitoba and our deposit-insurance guide.

We hunt. You gather.

Rates move with every delivery. Get rate alerts from Ratehunter and you'll be the first to know when a lower mortgage rate lands.

Get rate alerts