Motor City Community Credit Union Limited
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Motor City Community
Motor City Community Credit Union Limited is a credit union located in Ontario. It was founded in 1938. It primarily serves Windsor and Essex County.
Motor City Community Credit Union traces its heritage to 1938, when a credit union was established within the Windsor Star for printing workers and later became known as Printers' Industrial Credit Union. Other workplace based credit unions later served employees in hospitals, automotive plants, municipal departments, and local industries.
Over time, these closed bond credit unions combined their operations and opened membership to residents of Windsor and Essex County. This history reflects the role of workplace and labour based financial cooperatives in the region.
Today, Motor City Community Credit Union serves personal and business members with banking, lending, mortgages, investments, and wealth management services. It operates as a locally governed financial cooperative, with decisions made within the community it serves.
Provinces served
Number of Members (as of 2025): ~13,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Flex+ Account
- Standard Fee
- $10.00/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions. All of these transactions can be carried out in branch.
- 5 free Interac e-Transfers are included each month.
- Motor City Community Credit Union Limited Flex+ Account is a $10-per-month chequing account with all FreeFlex features plus 5 free Interac e-Transfers per month, 1 free CAD draft or official cheque, 1 free USD draft, 1 free stop payment, and 100 free personal cheques per year. No minimum monthly balance is required.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: FreeFlex Account
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions. All of these transactions can be carried out in branch.
- Motor City Community Credit Union Limited FreeFlex Account is a no-monthly-fee chequing account with no minimum balance requirement and unlimited debit transactions. It includes free online and in-branch bill payments, mobile and internet banking, Deposit Anywhere mobile cheque deposits, and unlimited surcharge-free transactions at more than 3,700 ATMs nationwide.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: High Interest Savings Account (HISA)
- Interest Rate
- 0.80%
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions. All of these transactions can be carried out in branch.
- Motor City Community Credit Union Limited High Interest Savings Account is a savings account with interest calculated daily and paid monthly. No minimum balance is required to earn interest. In-branch withdrawals and transfers and online transfers are free. The account provides access to savings without requiring funds to be locked into a term deposit.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: Plan 24 Account
- Interest Rate
- 0.05%
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions. All of these transactions can be carried out in branch.
- Motor City Community Credit Union Limited Plan 24 Account is a no-monthly-fee savings account with no minimum balance required to earn interest. Interest is calculated daily and paid monthly. In-branch withdrawals and transfers are free, along with online transfers. The account can also be accessed through Motor City’s online and mobile banking services.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $598M | -1.8% | +24.3% |
| Loans | $549M | -2.5% | +28.3% |
| Deposits | $476M | -4.2% | +24.3% |
| Loan-to-Deposit Ratio | 115.3% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $1M | 0.0% | 0.0% |
| Revenue | $14M | +16.7% | +27.3% |
| Efficiency Ratio | 75.7% | — | — |
| Target Members / Region | Windsor and Essex County | — | — |
Motor City Community Credit Union Limited Deposits, Loans and Revenue in the Past 5 Years
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Contact
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