About Access Credit Union
Access Credit Union is the largest credit union in Manitoba, with over 208,000 members, more than 925 employees and over $14.2 billion in assets. It was formed July 1, 2009 by the amalgamation of Agassiz, Altona, Dufferin and Heartland credit unions, and expanded again on July 1, 2022 by merging with Noventis and Sunova credit unions.
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Access: Membership required · Open common bond
Eligible provinces: Manitoba
How to join: Open a personal account online in about 5 minutes or visit a branch; business membership by phone (1-800-264-2926).
Deposit protection: Deposit Guarantee Corporation of Manitoba
100% unlimited deposit guarantee
Current top rates
rates confirmed as of 2026-10-14| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.80% |
| 2-year GIC | 3.90% |
| 3-year GIC | 4.00% |
| 4-year GIC | 4.10% |
| 5-year GIC | 4.20% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-14Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 3.80% |
| 1 year | Non-reg | N | — | Monthly | — | 3.70% |
| 18 months | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 3.80% |
| 18 months | Non-reg | N | — | Monthly | — | 3.70% |
| 2 years | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 3.90% |
| 2 years | Non-reg | N | — | Monthly | — | 3.80% |
| 30 months | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 3.90% |
| 30 months | Non-reg | N | — | Monthly | — | 3.80% |
| 3 years | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 4.00% |
| 3 years | Non-reg | N | — | Monthly | — | 3.90% |
| 42 months | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 4.00% |
| 42 months | Non-reg | N | — | Monthly | — | 3.90% |
| 4 years | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 4.10% |
| 4 years | Non-reg | N | — | Monthly | — | 4.00% |
| 54 months | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 4.10% |
| 54 months | Non-reg | N | — | Monthly | — | 4.00% |
| 5 years | Non-regRRSPRESPTFSAFHSA | N | — | Annually | — | 4.20% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-14Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Ability Savings | Daily | Monthly | — | 0.10% |
| Savings | Daily Savings | Daily | Monthly | — | 0.10% |
| Savings | Grow Savings | Daily | Monthly | $0 | 3.25% |
| Savings | Grow Savings | Daily | Monthly | $2,001 | 1.00% |
| Savings | Platinum Savings | Monthly | Monthly | $0 | 1.90% |
| Savings | Platinum Savings | Monthly | Monthly | $100,000 | 2.00% |
| Savings | Platinum Savings | Monthly | Monthly | $250,000 | 2.25% |
| Savings | Premium Savings | Daily | Monthly | — | 0.90% |
| USD | USD Daily SavingsUS$ | Daily | Monthly | — | 0.25% |
| RRSP | |||||
| RRSP | RRSP Variable | Daily | Semi-annually | — | 2.30% |
| RESP | |||||
| RESP | RESP Variable | Daily | Semi-annually | — | 2.30% |
| TFSA | |||||
| TFSA | TFSA Variable | Daily | Semi-annually | — | 2.30% |
| FHSA | |||||
| FHSA | FHSA Variable | Daily | Semi-annually | — | 2.30% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-14Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Closed | No | 4.19% |
| 2-year | Fixed | Closed | No | 4.19% |
| 3-year | Fixed | Closed | No | 4.19% |
| 4-year | Fixed | Closed | No | 4.29% |
| 5-year | Fixed | Closed | No | 4.39% |
| No set term | Variable | Open | No | 4.45%Prime |
| No set term | Variable | Closed | No | 3.55%Prime − 0.90% |
No mortgage rates match these filters.
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