Assiniboine Credit Union
This Page's Content Was Last Updated: July 21, 2026
Credit Union
Assiniboine
Assiniboine Credit Union is a credit union located in Manitoba. It was founded in 1943. It primarily serves Winnipeg and Western Manitoba.
Assiniboine Credit Union, now operating as Assiniboine Credit Union / Caisse Assiniboine, traces its origins to 1943, when Ed McCaffrey and co-workers from the Winnipeg Electric Company formed an open bond credit union in response to wartime financial hardship and high cost moneylending. It later grew into one of Manitoba’s largest credit unions, serving urban, rural, and northern communities.
ACU is a certified B Corporation and has been recognized as one of Canada’s Greenest Employers. Its community work includes financial inclusion, reconciliation, and support for people and neighbourhoods with limited access to traditional financial services.
ACU was the first financial institution in Manitoba to sign the Winnipeg Indigenous Accord. Following its merger with Caisse Financial Group and Westoba Credit Union, it operates as a bilingual, member owned financial cooperative offering French language services.
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 | 4.29% | ||
| 3-Year Fixed | 3.99% | ||
| 4-Year Fixed | 4.19% | ||
| 5-Year Fixed | 4.09% | ||
| 5-Year Variable | 3.60% | ||
* 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 | 3.45% |
| 2-Year | 3.55% |
| 3-Year | 3.65% |
| 4-Year | 3.70% |
| 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: ACU Active
- Standard Fee
- $9.00/mo
- Free Transactions
- 40
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $2,500 in your account.
- The account fee might be waived for seniors.
- This account allows 40 free transactions.
- 5 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
2. Account: ACU Digital
- Standard Fee
- $11.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $3,500 in your account.
- The account fee may be waived for students and youth.
- This account allows Unlimited free transactions.
- 30 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
3. Account: ACU Essentials
- Standard Fee
- $4.00/mo
- Free Transactions
- 16
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 16 free transactions.
- 2 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Chequing Account
4. Account: ACU Light
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- This is a pay-as-you-go account.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Savings Accounts
Savings Account
Account: Everyday Savings
- Interest Rate
- 0.05%
- Standard Fee
- Free
- Free Transactions
- 2
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 2 free transactions. Maximum 1 of these transactions can be carried out in branch.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Savings Account
Account: High Rate Savings
- Interest Rate
- 1.50%*
- Standard Fee
- Free
- Free Transactions
- 1
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 1 free transaction.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0.00 to $99,999 1.50% $100,000 to $249,000 1.60% $250,000 or over 1.70% Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Credit Union Overview
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $10.1B | +61.4% | +81.3% |
| Loans | $8.57B | +63.3% | +113.1% |
| Deposits | $9.1B | +62.2% | +83.3% |
| Mortgages + HELOCs | $4.92B | +57.0% | +102.1% |
| Revenue | $235M | +83.6% | +126.0% |
| Efficiency Ratio | 73.4% | — | — |
| Members | ~216,000 | — | — |
| Branches | 49 | — | — |
| Target Members / Region | Winnipeg and Western Manitoba | — | — |
Assiniboine Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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