Overview
Access Credit Union is a Manitoba-based credit union offering personal, business and wealth products including chequing, savings, mortgages, loans, GICs and digital banking. The site highlights community focus, member services and featured rate specials.
Founded
1943
Members
37,000+
Assets
$3 billion
Branches
23
Current Rates
Verified (Official Source)· Last checked Apr 16, 2026 (2d ago)
High Interest Savings2.25%up to
1-Year GIC3.40%
3-Year GIC3.60%
5-Year Fixed Mortgage4.09%
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 3.40% |
| 3-Year GIC | 3.60% |
| 5-Year GIC | 3.75% |
Pros
- • Solid savings rate of 0.9%
- • Excellent GIC rates — 3.4% on 1-year terms
- • Solid mobile and online banking with Interac e-Transfer
- • Surcharge-free ATM access through THE EXCHANGE Network
Cons
- • Smaller institution — fewer specialized product tiers than major banks
Best For
Residents of MB looking for a local banking alternativeGIC investors seeking competitive term ratesHomebuyers seeking competitive mortgage rates
Products & Accounts
Chequing
Savings
GICs
RRSP
TFSA
RRIF
Mortgages
Personal Loans
Business
Agriculture
Membership Eligibility
StatusRestricted
Requirements:
Must live or work in Manitoba
Access Credit Union serves residents of Manitoba. Most Manitoba residents qualify.
Membership Share (Fee)$5 share purchase
Deposit Protection
Insuring Body
DGCM
Coverage Limit
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
About This Data
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 Website