Access Credit Union
This Page's Content Was Last Updated: July 21, 2026
Credit Union
Access
Access Credit Union is a credit union located in Manitoba. It was founded in 2009 through the merger of Altona Credit Union, Dufferin Credit Union and Heartland Credit Union and Agassiz Credit Union. It primarily serves Winnipeg and 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.
Provinces served
Mortgage Rates
The mortgage rates on this page were last updated on August 5, 2026 at 5:46 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 1-Year Fixed | 4.49% | ||
| 2-Year Fixed | 4.19% | ||
| 3-Year Fixed | 4.19% | ||
| 4-Year Fixed | 4.19% | ||
| 5-Year Fixed | 4.29% | ||
* 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
The GIC rates on this page were last updated on August 5, 2026 at 11:14 AM ET.
| Term | Rate |
|---|---|
| 1-Year | 3.55% |
| 1.5-Year | 3.55% |
| 2-Year | 3.80% |
| 3-Year | 3.70% |
| 4-Year | 3.75% |
| 5-Year | 3.85% |
* 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. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Basic+ Chequing
- Standard Fee
- $8.00/mo
- Free Transactions
- 30
- Insurance Limit
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $2,500 in your account.
- This account allows 30 free transactions.
- In-branch bill payments are not included in the monthly package benefits. 10 free Interac e-Transfers are included.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
2. Account: Pay As You Go Chequing
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- A fee applies to Interac e-Transfers.
- "Ding-free" means that members pay no surcharges at credit union and other participating ATMs across Canada for withdrawals, deposits, and balance inquiries.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
3. Account: Student Chequing
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions. Maximum 0 of these transactions can be carried out in branch.
- *This account is available for youth and students only.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
4. Account: Unlimited Chequing
- Standard Fee
- $17.00/mo
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Savings Accounts
Savings Account
Account: Daily Savings
- Interest Rate
- 0.10%
- Standard Fee
- Free
- Free Transactions
- 5
- Insurance Limit
- Unlimited
Account details
- This account allows 5 free transactions.
- In-branch bill payments are not included in the monthly package benefits.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Savings Account
Account: Platinum Savings
- Interest Rate
- 1.90%*
- Standard Fee
- Free
- Free Transactions
- 1
- Insurance Limit
- Unlimited
Account details
- This account allows 1 free transaction.
- In-branch bill payments are not included in the monthly package benefits.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0.00 to $99,999 1.90% $100,000 to $$249,999 2.00% $250,000 or over 2.25% Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Savings Account
Account: Premium Savings
- Interest Rate
- 0.90%
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit
- Unlimited
Account details
- This account allows 2 free transactions.
- In-branch bill payments are not included in the monthly package benefits.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Credit Union Overview
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $14.1B | +5.2% | +127.9% |
| Loans | $12.4B | +7.0% | +142.4% |
| Deposits | $12B | +3.4% | +116.2% |
| Mortgages + HELOCs | $6.92B | +6.9% | +168.8% |
| Revenue | $280M | +12.4% | +194.7% |
| Efficiency Ratio | 59.5% | — | — |
| Members | ~208,000 | — | — |
| Branches | 47 | — | — |
| Target Members / Region | Winnipeg, Southern regions | — | — |
Access Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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Disclaimer:
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- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.