Access Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
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Managing $14.1 billion in total assets, Access Credit Union stands as the #7 largest credit union in Canada. Our independent review breaks down Access Credit Union’s consumer offerings, deposit safety under the Deposit Guarantee Corporation of Manitoba (DGCM), and competitive rates for Manitoba depositors and home buyers.
Jump to Section: Institution Overview•Mortgage Rates•GIC Rates•Financial Performance
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, a member-owned cooperative built through decades of consolidation among community credit unions dating back to the 1930s and 1940s. Formed in 2009 from the merger of Altona, Dufferin, and Heartland credit unions, it later grew through mergers with Noventis, Sunova, Carpathia, Casera, and Amaranth, expanding into a province-wide institution serving both Winnipeg and rural Manitoba. Access offers personal and business banking, mortgages, investments, wealth management, and insurance, and has been recognized repeatedly as one of Manitoba's Top Employers. Member deposits are fully guaranteed, with no dollar limit, by the Deposit Guarantee Corporation of Manitoba (DGCM).
Provinces served
Number of Members (as of 2025): ~208,000
Access Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Uninsured home ≥ $1M or refinances |
|---|---|---|---|---|
| Access Credit Union | 1-Year Fixed | 4.49% | 4.49% | 4.49% |
| Access Credit Union | 2-Year Fixed | 4.19% | 4.19% | 4.19% |
| Access Credit Union | 3-Year Fixed | 4.19% | 4.19% | 4.19% |
| Access Credit Union | 4-Year Fixed | 4.19% | 4.19% | 4.19% |
| Access Credit Union | 5-Year Fixed | 4.29% | 4.29% | 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. | ||||
Understanding Access Credit Union Mortgage Features
- Prepayment Privileges: Most credit unions in Manitoba allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
- Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
- Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.
Estimate your payments using WOWA's Mortgage Payment Calculator.
Access GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 1-Year | 3.55% | 3.55% |
| 1.5-Year | 3.55% | 3.55% |
| 2-Year | 3.80% | 3.80% |
| 3-Year | 3.70% | 3.70% |
| 4-Year | 3.75% | 3.75% |
| 5-Year | 3.85% | 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. | ||
Access Credit Union Ranking Among Credit Unions Monitored by WOWA
7th
by Assets
of 134 credit unions
7th
by Loans
of 133 credit unions
7th
by Deposits
of 133 credit unions
Access Credit Union ranks 7th among Canadian credit unions by assets monitored by WOWA, 7th by loans, and 7th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Access Credit Union Branch Locations
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.
- Access Credit Union Basic+ Chequing is a chequing account with 30 included transactions per month and 10 rebated Interac e-Transfers. Manitoba credit union ATM access is free. The account has an $8 monthly fee, which can be waived by maintaining a daily closing balance of at least $2,500.
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.
- In-Branch Withdrawal: $0.75 Bill Payment (In Branch): $1.25 Cheque: $0.75 Electronic Transfer: $0.75 Bill Payment (Online): $0.75 Bill Payment (Telephone): $0.75 Interac e-Transfer: $1.00 Point-of-Sale Transaction: $0.75
- Access Credit Union Pay As You Go Chequing is a no-monthly-fee account that charges for individual transactions. Manitoba credit union ATM access is free, while debit purchases, electronic transfers, online bill payments, and in-branch withdrawals cost $0.75 each. Interac e-Transfers cost $1.00 each, making the account suited to lower transaction volumes.
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.
- Access Credit Union Student Chequing is a no-monthly-fee account for full-time students of any age. It includes free electronic transfers, online bill payments, Interac e-Transfers, debit card purchases, and Manitoba credit union ATM access. In-branch withdrawals cost $0.75, while in-branch bill payments cost $1.25.
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.
- Access Credit Union Unlimited Chequing is a chequing account with unlimited everyday transactions, including in-branch withdrawals, bill payments, debit purchases, electronic transfers, cheques, and Interac e-Transfers. Manitoba credit union ATM access is also free. The account has a $17 monthly fee with no minimum balance requirement for a fee waiver.
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.
- Access Credit Union Daily Savings is a no-monthly-fee savings account with interest calculated daily and paid monthly. It includes 5 free withdrawals per month across eligible transaction types, while Interac e-Transfers cost $1 each. Manitoba credit union ATM access is free, making the account suited to saving with occasional withdrawals.
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 to $99,999 1.90% $100,000 to $$249,999 2.00% $250,000 or over 2.25% - Access Credit Union Platinum Savings is a no-monthly-fee savings account with tiered interest rates that increase at $100,000 and $250,000. Interest is calculated on the minimum monthly balance and paid monthly. The account includes 1 free withdrawal per month, while Interac e-Transfers cost $1 each.
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.
- Access Credit Union Premium Savings is a no-monthly-fee savings account with interest calculated daily and paid monthly. It includes 2 free withdrawals per month across eligible transaction types, while Interac e-Transfers cost $1 each. Additional eligible transactions are charged individually, making the account more suited to saving than frequent withdrawals.
Deposit Insurance
Deposits are insured by the Deposit Guarantee Corporation of Manitoba (DGCM).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $14,129M | +5.2% | +127.9% |
| Loans | $12,369M | +7.0% | +142.4% |
| Deposits | $12,001M | +3.4% | +116.2% |
| Loan-to-Deposit Ratio | 103.1% | — | — |
| Mortgages + HELOCs | $6,924M | +6.9% | +168.8% |
| Securities | $77M | -44.6% | -73.6% |
| Revenue | $280M | +12.4% | +194.7% |
| Efficiency Ratio | 59.5% | — | — |
| 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.