Overview
Access Credit Union is Manitoba's largest credit union by assets, formed in 2009 and expanded through mergers with Crosstown Civic (2021) and Noventis and Sunova (2022); it serves communities across Manitoba.
No-Fee Chequing Accounts
Free*
- Minimum balance required
- Monthly usage cap
Specific thresholds vary by credit union. Visit Access Credit Union's website for current requirements.
Current Rates
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 3.50% |
| 3-Year GIC | 3.65% |
| 5-Year GIC | 3.80% |
Pros
- • Unlimited deposit insurance through DGCM, no per-account dollar cap
- • No-fee chequing available with a minimum balance and monthly transaction cap
- • Solid digital banking with mobile app, online banking, and Interac e-Transfer
Cons
- • Fewer specialized financial products and international banking services than other institutions
Best For
Products & Accounts
Membership Eligibility
Must live or work in Manitoba
Access Credit Union serves residents of Manitoba. Most Manitoba residents qualify.
Deposit Protection
DGCM
Unlimited
Deposit Guarantee Corporation of Manitoba (DGCM) provides unlimited deposit protection on all deposits at Manitoba credit unions.
Digital & Access
- Mobile App
- Online Banking
- Interac e-Transfer
- ATM NetworkTHE EXCHANGE Network
- Digital Ratinggood
Rate and eligibility data is gathered from official credit union websites and verified comparison sources. Last researched Mar 28, 2026. Always verify rates directly on the official website before making financial decisions.
Official WebsiteRelated reading
