ACU_BCorp_Tagline_RGB_FullColour ACU_Digital-_RGB_Asterisk-only
Service status
Search

Save with purpose

Whether you're building an emergency fund or saving for the future, ACU has savings options that make it easy to grow your money while staying true to your values. Enjoy flexible access, competitive interest, and zero monthly fees on most accounts.

Your money doing more with ACU savings accounts built for you.

Achieving your financial goals starts with saving money—and an ACU savings account is a great place to start! Through regular contributions and interest, we can help you get there, with access to your funds when and where you need them.

Whether you’re looking to set up a rainy day fund, help your child develop lifelong saving habits, budget for special expenses—or just watch your money grow through compound interest—ACU savings accounts are designed with your goals in mind.

Enjoy benefits like:

        • Flexibility: Save your way with a variety of account options, from everyday savings to higher-interest plans—all designed to support your short- or long-term goals.
        • Accessibility: Manage your money anytime, anywhere with ACU’s mobile app, online banking, and thousands of ding free® ATMs across Canada.
        • Security: Your account is protected with industry-standard encryption, secure login options, and customizable alerts that help you stay on top of your banking activity.
        • Peace of mind: Deposits are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba.
        • Community impact: When you bank with ACU, your money is doing more by helping to support values-based initiatives that strengthen communities across Manitoba.
2025_PWS-3.0_Lg-text_CC-w-gradient_400-x-400_blue-orange_17 2025_PWS-3.0_Lg-text_slice_400-x-400_30

ACU savings accounts

Everyday Savings Account

Not sure how to start saving for the future or the best way to put money aside for a rainy day? It’s easy with our Everyday Savings account! 

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

Choose Everyday Savings if you’re new to savings and don’t have a set goal for your money—yet.

Open account

More details

High Rate Savings Account

Earn higher interest rates on every dollar you save, along with the access and flexibility of a savings account. No minimum monthly balance required!

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

Choose High Rate Savings to make your dollar go further.

Open account

More details

Youth High Rate Savings Account

Youth under 18 can start saving for the future with free digital intra-account transfers and unlimited in-branch transactions. Earn competitive interest rates on every dollar saved, with no minimum monthly balance required.

  • No monthly fee
  • Unlimited free in-branch transactions
  • Unlimited free electronic transfers between your ACU accounts
  • Earn daily interest on your closing balance
  • Free deposits

Choose Youth High Rate Savings to earn serious interest—without a minimum balance.

Visit us in-branch to open an account

More details

Savings accounts comparison

Feature

ACU Everyday Savings

ACU High Rate Savings

ACU Youth High Rate Savings
Interest earned on every dollar
Higher interest savings
Tiered interest rates based on dollar amount saved
Free intra-account digital transfers
Free mobile deposit
Free digital transactions

Account details and fees

Everyday Savings Account

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.

High Rate Savings Account

Interest rates

Interest is calculated daily on your closing balance, and paid on the last day of each month.
 
Balance Rate
$0 - $100,000 1.55%
$100,000 - $249,999 1.65%
$250,000 and over 1.75%
 
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.

Youth High Rate Savings Account

Interest rates

Interest is calculated daily on your closing balance, and paid on the last day of each month.
 
Balance Rate
$0 - $100,000 1.55%
$100,000 - $249,999 1.65%
$250,000 and over 1.75%
 
Note: Interest rates are subject to change without notice at any time. 
 

Fees

Youth 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) Free
Intra-account CAD/USD transfer (online, mobile banking)* Free
Full-service (in-branch) transactions:
Debit (withdrawal or intra-account transfer) Free
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.
2025_PWS-3.0__CTA_CC-w-gradient_400px-x300px_blue_28_STUDENT

Are you a youth, a newcomer or involved in a community partnership program?

Discover your customized savings solutions!
Learn More

Your questions answered:

How do I open an ACU savings account?

Opening an ACU Everyday Savings or High Rate Savings Account is easy! If you’re already a member, log into online banking or your ACU app to open a new account or visit us in-branch to get started. 

New members can join ACU digitally and open a savings account online or make an appointment in-branch today!

To open a Youth High Rate Savings Account, please contact us to book an appointment.

Do I need to keep a minimum balance in my ACU savings account?

Our savings accounts don’t require a minimum balance. Not only that, you’ll start earning interest from the first dollar you save.

How is interest calculated on my ACU savings account?

We calculate interest on your account’s closing balance daily and pay it into your account monthly—so your savings grow faster!

Can I open a savings account for my child?

The ACU Youth High Rate Savings account is a great option to help your child start saving for future goals, like buying a car or going to college, and to learn the basics of saving.

Youth ages 12 to 17 can be the sole owner of their ACU Youth High Rate Savings account. Children under 12 can benefit from this account too, but a parent or legal guardian is required to be their joint account holder.

I have a Youth High Rate Savings Account. What happens when I turn 18?

Don’t worry — you can continue to save seamlessly! When you turn 18, you will automatically be switched from the Youth High Rate Savings Account to the High Rate Savings Account, where you will continue to earn interest on every dollar you save.

2025_PWS-3.0__CTA_CC-w-gradient_400px-x300px_green_6

Have questions? We're here to help.

Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.

Contact us