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.
- A premium chequing account carrying everything FreeFlex offers plus a monthly allowance of extras: 5 free Interac e-Transfers, 1 free CAD draft or official cheque, 1 free USD draft, and 1 free stop payment each month, along with 100 free personal cheques a year. There's no minimum balance requirement.
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.
- A genuinely no-fee chequing account with no monthly fee and no minimum balance requirement, covering unlimited debit transactions, free bill payments both online and in-branch, free in-branch, mobile and internet banking, and unlimited surcharge-free withdrawals across a 3,700+ ATM network nationwide. Deposit Anywhere mobile cheque deposit is included.
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.
- A savings account for members who want a stronger rate while still planning to dip into their savings, rather than locking funds away in a term deposit. It carries the same access perks as Plan 24, free in-branch withdrawals and transfers plus free online transfers, with interest calculated daily and paid monthly and no minimum balance required to earn it.
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's standard savings account, built around encouraging healthy saving habits for a rainy day, a big purchase, or a family trip. Interest is calculated daily and paid monthly with no minimum balance needed to start earning, and in-branch withdrawals and transfers along with online transfers are all free.
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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