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Agricultural Savings Accounts

Flexible savings options that help your Agribusiness build for the future, while staying ready for what’s next. 

Flexible savings options for agricultural businesses 

ACU’s Agriculture Savings Accounts help farms and agribusinesses earn interest while keeping funds accessible. Offered through ACU’s Agribusiness Financial Centre (AFC), these accounts are designed to support the unique cash‑flow patterns of agriculture and provide straightforward ways to manage surplus funds.

Whether you’re setting aside money for future expenses, managing seasonal income, or participating in programs such as AgriInvest, our Agriculture Savings Accounts offer flexibility without unnecessary complexity. Backed by deep roots in Manitoba’s agricultural community and a strong agribusiness foundation, ACU is committed to helping agriculture members build financial stability and plan with confidence.

 

Agriculture Savings

Agriculture Savings

A simple and convenient savings account designed to support your everyday agricultural needs.

$0.00 Monthly Fee

Features

  • Pay as you go
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance 

Choose Agriculture Savings if your operations have extra funds and want simple, everyday access while earning interest.

More details

Agriculture High Rate Savings

Maximize your earnings without sacrificing flexibility—perfect for agricultural operations that maintain a consistent cash surplus.

$0.00 Monthly Fee

Features

  • 1 free transaction per month. This includes self‑serve and full‑serve transactions.
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn daily interest on your closing balance

Choose Agriculture High Rate Savings if your operation has additional funds not needed for daily use and wants to earn higher interest, even with a low balance.

 More details

Agriculture Monthly High Rate Savings

Put that extra cash to work. Benefit from our highest interest on your lowest balance each month—designed for agricultural operations.

$0.00 Monthly Fee

Features

  • 1 free transaction per month. This includes self‑serve and full‑serve transactions.
  • Free deposits (ATM, pre-authorized credits, in-branch and night deposit)
  • Earn interest on your lowest monthly balance

Choose Agriculture Monthly High Rate Savings if your operation wants to maximize growth with our highest interest rate on funds you won’t need in the short term — and has a deposit to make when opening the account.

 More details

AgriInvest

Designed for farmers who are participating in the Canadian federal government AgriInvest Program. To learn more about this program and eligibility, visit Agriculture and AgriFood Canada

$0.00 Monthly Fee

Features

  • Free in-branch deposits, transfers and withdrawals
  • Free deposits (pre-authorized credits, in-branch and night deposit
  • Earn daily interest on your closing balance

Choose AgriInvest if you are participating in the AgriInvest Program.

 More details

Account details and fees

Agriculture Savings Account

A simple and convenient savings account for your everyday business needs.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions Pay as you go
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $0.90
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.90
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $0.90
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Credit FREE
Pre-authorized Debit $0.90
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $0.90
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁶
 $2.00
Cirrus® ATM Withdrawal (US/International)⁶ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁷ FREE
Interest Daily⁸ 
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 Business deposits must be made at an ACU ATM machine.
3 Includes immediate, scheduled and recurring bill payments.
4 ATM and Telephone Banking transfers are not available with the USD account.
5 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
6 The withdrawal counts as a transaction. In addition to this fee, a transaction fee will apply.
7 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
8 Interest is calculated daily and paid monthly.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Agriculture Monthly High Rate Savings Account

Put that extra cash to work. Benefit from our highest interest on your lowest balance each month. 

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee) N/A
Number of FREE Transactions 1
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $2.00
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $2.00
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $2.00
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ $2.00
Member to Member Transfers (Online, Mobile) $2.00
Pre-authorized Credit FREE
Pre-authorized Debit $2.00
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $2.00
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁶
 $2.00
Cirrus® ATM Withdrawal (US/International)⁶ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁷  FREE
Interest Monthly⁸
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 Business deposits must be made at an ACU ATM machine.
3 Includes immediate, scheduled and recurring bill payments.
4 ATM and Telephone Banking transfers are not available with the USD account.
5 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
6 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions. 
7 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
8 Interest is calculated on the lowest monthly balance and paid monthly. 
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

Agriculture High Rate Savings Account

Maximize your earnings without sacrificing flexibility—perfect for businesses that maintain a consistent cash surplus

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee) N/A
Number of FREE Transactions 1
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $2.00
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $2.00
ATM Deposit² FREE
Bill Payment (Online, Mobile, Telephone)³ $2.00
Transfers Between Accounts (Online, Mobile, Telephone, ATM⁴)⁵ $2.00
Member to Member Transfers (Online, Mobile) $2.00
Pre-authorized Credit FREE
Pre-authorized Debit $2.00
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $2.00
Deposit (In branch, Night deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁶
 $2.00
Cirrus® ATM Withdrawal (US/International)⁶ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Deposit Books⁷ FREE
Interest Daily⁸
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted & deposited.
2 Business deposits must be made at an ACU ATM machine.
3 Includes immediate, scheduled and recurring bill payments.
4 ATM and Telephone Banking transfers are not available with the USD account.
5 Cross-currency transfers between USD and CAD accounts are only available through online or mobile banking. They are processed at the base tier rate ($0–$24,999). Tiered rates for amounts over $25,000 are available by visiting a branch or contacting the Member Communication Centre.
6 The withdrawal counts as a transaction. In addition to this fee, a transaction fee applies if the withdrawal is not covered by your account plan or you exceed the number of free transactions.
7 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
8 Interest is calculated daily and paid monthly.
 
Rates and fees are subject to change.
 
ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated.

AgriInvest

Designed for farmers who are participating in the Canadian federal government AgriInvest Program.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee) N/A
Number of FREE Transactions Free in-branch deposits, transfers and withdrawals
Number of FREE Interac® e-Transfer (send/Request Money) N/A
SELF-SERVE
Point of Sale N/A
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) N/A
ATM Deposit N/A
Bill Payment (Online, Mobile, Telephone) N/A
Transfers Between Accounts (Online, Mobile, Telephone, ATM) N/A
Member to Member Transfers (Online, Mobile) N/A
Pre-authorized Credit FREE
Pre-authorized Debit N/A
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) FREE
Deposit (In branch, Night Deposit) FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)
 N/A
Cirrus® ATM Withdrawal (US/International) N/A
Interac® e-Transfer (send/Request Money) N/A
Bill Payment (In branch) N/A
eStatements FREE
Mobile Deposit N/A
Deposit Books¹ N/A
Interest Daily² 

1 Generic deposit books are provided at no cost. Personalized deposit books are available for purchase.
2 Interest is calculated daily and paid monthly.

Rates and fees are subject to change.

ACCULINK® is a registered trademark of the Canadian Credit Union Association, used under licence.
Interac® is a registered trademark of Interac Corp. Used under licence.
Cirrus® is a registered trademark of Mastercard International Incorporated. 

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