Access Credit Union
Access Credit Union is a credit union located in MB. It was founded in 2009 through the merger of Altona Credit Union, Dufferin Credit Union and Heartland Credit Union and Agassiz Credit Union. It serves Winnipeg, Southern regions.
Access Credit Union is Manitoba’s largest credit union, shaped by decades of consolidation among community based credit unions across the province. Its roots reach back to early Manitoba credit unions formed in the 1930s and 1940s. More recent mergers with Noventis, Sunova, Carpathia, Casera, and Amaranth Credit Unions helped expand Access into a province wide cooperative serving both Winnipeg and rural Manitoba.
As a member owned financial institution, Access offers personal and business banking, mortgages, investments, wealth management, and access to insurance services. It has also been recognized repeatedly as one of Manitoba’s Top Employers.
Access combines local credit union roots with the scale to serve communities across Manitoba. Its work focuses on member service, community investment, and cooperative financial services for individuals, businesses, and local organizations.
| Metric | 2025 | YoY Change |
|---|---|---|
| Assets | $14.1B | +5.2% |
| Loans | $12.4B | +7.0% |
| Deposits | $12.0B | +3.4% |
| Mortgages + HELOCs | $6.9B | +6.9% |
| Efficiency Ratio | 59.5% | — |
| Members | 208,000 | — |
| Branches | 47 | — |
| Target Members | Winnipeg, Southern regions | — |
Mortgage Rates
| Lender | Term | Rate | |
|---|---|---|---|
| 1-Year Fixed | 4.49% | ||
| 2-Year Fixed | 4.19% | ||
| 3-Year Fixed | 4.19% | ||
| 4-Year Fixed | 4.09% | ||
| 5-Year Fixed | 4.19% | ||
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | |||
GIC Rates
| Term | Rate |
|---|---|
| 1-Year | 3.50% |
| 1.5-Year | 3.50% |
| 2-Year | 3.60% |
| 3-Year | 3.65% |
| 4-Year | 3.70% |
| 5-Year | 3.80% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | |
To find more information refer to our lenders report at WOWA.io.
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