DIGITAL_RGB-HEX_ACU-CA_Stacked_eng-fr_b corp ACU_Digital-_RGB_Asterisk-only
Service status
Sign in
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 zero monthly package fees, flexible access, and competitive interest 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

A savings account designed for those just beginning their financial journey—perfect if you’re still figuring out your saving style.

$0.00 Monthly Fee

Features

  • 2 free self-serve transactions per month
  • 1 free full-serve transaction per month
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • 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.

More details

Open account online

High Rate Savings

Enjoy the flexibility of a basic savings account with the added boost of a high interest rate to grow your savings faster.

$0.00 Monthly Fee

Features

  • 1 free transaction per month. This includes self‑serve and full‑serve transactions.
  • Earn daily interest on your closing balance

Choose High Rate Savings to make your dollar go further.

More details

Open account online 

Youth High Rate Savings

For members 17 and under, to help save for the future.

$0.00 Monthly Fee

Features

  • Unlimited free full‑serve transactions
  • Free self-serve transfers between accounts
  • Free self-serve member to member transfers
  • Earn daily interest on your closing balance

Choose Youth High Rate Savings to build strong saving habits while earning interest with no minimum balance required.

More details

To open this account, book an appointment

 

New to ACU?

You can start your membership and open a variety of accounts online in just a few minutes.

If you're an existing ACU member, open your account through Digital Banking. 
2025_PWS-3.0_General-Content_slice_500-x-375_59

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
Unlimited free self-serve transfers between accounts
Free mobile deposit
Set number of free transactions included

Account details and fees

Everyday Savings Account

A savings account designed for those just beginning their financial journey— perfect if you’re still figuring out your saving style.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions 2 self-serve and
1 full-serve
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $0.75
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $0.75
Bill Payment (Online, Mobile, Telephone)² $0.75
Transfers Between Accounts (Online, Mobile, Telephone, ATM³)⁴ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit $0.75
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $0.75
Deposit FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁵
 $2.00
Cirrus® ATM Withdrawal (US/International)⁵ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Interest Daily⁸
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted and deposited.
2 Includes immediate, scheduled and recurring bill payments.
3 ATM and Telephone Banking transfers are not available with the USD account.
4 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.
5 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.
6 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.

High Rate Savings Account

Enjoy the flexibility of a basic savings account with the added boost of a high interest rate to grow your savings faster.

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 $1.50
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $1.50
Bill Payment (Online, Mobile, Telephone)² $1.50
Transfers Between Accounts (Online, Mobile, Telephone, ATM³)⁴ $1.50
Member to Member Transfers (Online, Mobile) $1.50
Pre-authorized Debit $1.50
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) $1.50
Deposit FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁵
 $2.00
Cirrus® ATM Withdrawal (US/International)⁵ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Interest Daily⁶
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted and deposited.
2 Includes immediate, scheduled and recurring bill payments
3 ATM and Telephone Banking transfers are not available with the USD account.
4 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.
5 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.
6 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.

Youth High Rate Savings Account

For members 17 and under, to help save for the future.

Fees

Monthly Fee $0.00
Minimum Monthly Balance to Waive Monthly Fee N/A
Number of FREE Transactions Unlimited full-serve
Number of FREE Interac® e-Transfer (send/Request Money¹) Pay as you go
SELF-SERVE
Point of Sale $1.00
ATM Withdrawal (ACU, Manitoba Credit Unions or ACCULINK® ATM) $1.00
Bill Payment (Online, Mobile, Telephone)² $1.00
Transfers Between Accounts (Online, Mobile, Telephone, ATM³)⁴ FREE
Member to Member Transfers (Online, Mobile) FREE
Pre-authorized Debit $1.00
FULL-SERVE
Cheque N/A
Debit (Withdrawal, Transfer) FREE
Deposit FREE
ADDITIONAL SERVICES
Interac® ATM Withdrawal (Canada)⁵
 $2.00
Cirrus® ATM Withdrawal (US/International)⁵ $3.50
Interac® e-Transfer (send/Request Money¹) $1.00
Bill Payment (In branch) $1.50
eStatements FREE
Mobile Deposit FREE
Interest Daily⁶
1 With Interac® e-Transfer Request Money, the fee is charged to the requestor at the time the request is accepted and deposited.
2 Includes immediate, scheduled and recurring bill payments.
3 ATM and Telephone Banking transfers are not available with the USD account.
4 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.
5 The withdrawal counts as a transaction. In addition to this fee, a transaction fee will apply.
6 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.
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