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Debit cards at Verifone POS terminals

We wish to advise that there is currently an issue at some merchant locations, as a result of a software update, on their point of sale devices. Unfortunately, this is resulting in cards issued in 2019 (debit & credit) being declined. If you experience an issue with your debit card, you can:
* Split your transaction in two to allow for Contactless transactions. 
* Enable Google Pay, Samsung Pay, or Apple Pay on your mobile phone.
* We also recommend that members have cash on hand as a back up until this issue is resolved.

Learn more about this issue on the Interac website.

Mortgage Calculator

Your Mortgage Option

Mortgage Amount:

Payment Type:

Amortization Period:

Interest Rate:

Your Payments

Based on a mortgage of $ and an interest rate of % over years, your estimated payments are:

Payment Type :

Payment Amount : $

Total Interest : $

Total Payments : $

Featured Rates


Fixed 2 to 4-year mortgages


Closed Variable (APR†)



Regular Savings

See All Rates

A mortgage solution that works for you


Choosing SCU means you have the flexibility to choose the mortgage that will accomplish your goals with a manageable debt level. An SCU lending specialist will help you tailer your renovation mortgage to suit your needs.

90-Day Rate Guarantee

90-Day Rate Guarantee

You're protected, even if rates increase after your pre-approval meeting

Choose Variable or Fixed

Choose Variable or Fixed

Lock in with a fixed rate or choose between our variable rate options

Pre-Payment Privileges

Pre-Payment Privileges

Make additional payments, up to 20% of the initial mortgage value per year (for fixed rate terms)

What we offer

  • Competitive variable and fixed rates
  • As little as 5% down payment needed, with up to 25 years to repay
  • Flexible payment options
  • Financing for self-built, custom homes, or renovations
  • Rural property, vacation home, or cottage financing

Why SCU?


We are Manitoba's largest credit union and the 7th largest in Canada with over $6 billion in total assets.


For over 75 years, we have worked with our members to create relationships based on trust and support. Here are a few more reasons why more than 91,524 members choose to bank with us.

  • We're known as a great place to save
  • Stable, secure, and trustworthy
  • We have our members' best interest at heart
  • Deep roots in the community
  • Knowledgeable experts