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Savings Accounts

Make saving part of your everyday.

Successful saving is a habit. An ACU savings account can get you closer to your goals, and provide financial security when you need it most.
  • Open an account online quickly and easily
  • Savings accounts offer a low risk option for safe-guarding your cash and are eligible for DGCM (Deposit Guarantee Corporation of Manitoba) deposit insurance
  • Building an emergency savings fund will give you access to money during life’s little ups and downs
  • Set up automatic transfers to grow your savings effortlessly
Everyday Savings
Whether you have a big goal or just want to save for a rainy day, this account can help.


  • No monthly fee
  • 2 free electronic transactions each month
  • 1 free in-branch transaction each month
  • Earn daily interest on your closing balance
High Rate Savings

Who doesn't like to earn a high interest rate on their savings? Our High Interest Rate Savings account gives you all the flexibility of a basic savings account and a higher interest rate.


  • No monthly fee
  • Earn daily interest on your closing balance
  • Free deposits

Matched Savings Account
If you’re enrolled in our Savings Circle or Individual Development Account (IDA) programs, this account helps you save with money matching. It also pays a higher interest rate than a basic savings account. Learn more about our Asset Building Programs.

Youth High Rate Savings

Designed for young people under the age of 18, the Youth High Rate Savings account lets you save your own money and learn to bank.


  • No monthly fee
  • 20 free electronic transactions each month
  • Earn daily interest on your closing balance
  • Free deposits

Account fees

Interest rates

Interest is calculated daily on your closing balance, and paid on the last day of each month.

Balance Rate
on entire balance 0.05%

Note: Interest rates are subject to change without notice at any time.

Fees


Basic Savings service charges (free monthly package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $0.50
Debit card purchase $0.50
Pre-authorized payment debit $0.50
Bill payment (online, mobile, telephone banking) $0.50
Intra-account CAD/CAD transfer (online, mobile, telephone banking) Free
Intra-account CAD/USD transfer (online or mobile banking)* Free
Full-service (in-branch) transactions:
Debit (withdrawal or intra-account transfer) $0.70
Additional services:
ATM withdrawal (Interac) $1.50
Interac® e-Transfer  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free


*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.

Interest rates

Interest is calculated daily on your closing balance, and paid on the last day of each month.

Balance Rate
$0 - $100,000 0.65%
$100,000 - $249,999 0.80%
$250,000 and over 1.05%

Note: Interest rates are subject to change without notice at any time. 

Fees


High Interest Rate Savings service charges (free monthly package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $1.00
Debit card purchase $1.00
Pre-authorized payment debit $1.00
Bill payment (online, mobile banking, telephone banking) $1.00
Intra-account CAD/CAD transfer (online, mobile, telephone banking) $1.00
Intra-account CAD/USD transfer (online, mobile banking)* $1.00
Full-service (in-branch) transactions:
Debit (withdrawal or intra-account transfer) $1.00
Additional services:
ATM withdrawal (Interac) $1.50
Interac® e-Transfer  $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.


Interest rates

Interest is calculated daily on your closing balance, and paid on the last day of each month.

Balance Rate
$0 - $100,000 0.65%
$100,000 - $249,999 0.80%
$250,000 and over 1.05%

Note: Interest rates are subject to change without notice at any time. 

Fees


High Interest Rate Savings service charges (free monthly package fee)
Electronic transactions:
Withdrawal (ACU or credit union ATM) $1.00
Debit card purchase $1.00
Pre-authorized payment debit $1.00
Bill payment (online, mobile banking, telephone banking) $1.00
Intra-account CAD/CAD transfer (online, mobile, telephone banking) $1.00
Intra-account CAD/USD transfer (online, mobile banking)* $1.00
Full-service (in-branch) transactions:
Debit (withdrawal or intra-account transfer) $1.00
Additional services:
ATM withdrawal (Interac) $1.50
Interac® e-Transfer $1.00
Bill payment (in-branch) $1.50
Mobile deposit Free

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch. Please visit the U.S. and Foreign Exchange rates page for current rates.

Note: Fees are subject to change without notice at any time.


Need more help?

Call us at 204.958.8588 / 1.877.958.8588 or book an appointment with one of our financial advisors.

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