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Rates

Reach your financial goals with these competitive rates.

Effective June 10, 2025

mortgage

Mortgage rates

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Non-registered rates

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Registered rates

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Demand accounts

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Exchange rates

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Service fees

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Featured rates

{FHSA:FHSA variable:On entire balance:value}

FHSA/TFSA variable

{FHSA:Non-redeemable GIC (annually)*:12 - 23 months:value}

1-yr term (RRSP/RRIF/TFSA/FHSA)

{Mortgage rates:Best rate fixed closed mortgages:5-year:value}

5-yr fixed mortgage

{Mortgage rates:Variable rate closed mortgage:5-year:value}

5-yr variable closed mortgage

Mortgage rates

Our rates are market-competitive and loans can be customized to meet your financial needs.

Best rate fixed closed mortgages

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Variable rate open mortgage

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Variable rate closed mortgage

Rate

Prime

Rate

Non-registered GIC (term deposits)

Choose either a fixed or variable rate for your term deposit (also known as a Guaranteed Investment Certificate or GIC). Deposits guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.

Non-redeemable GIC (annually)

Rate
*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)

Non-Redeemable GIC (monthly)

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Non-redeemable GIC (monthly)

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Redeemable GIC

Rate
*Minimum deposit $1,000 (interest is paid at maturity or time of redemption)
* Penalty applies if redeemed early. Convertible to a long term GIC without penalty. No partial withdrawals. 

Short term non-redeemable GIC

Rate
*Minimum deposit $5,000 (interest paid on maturity)

USD short term GIC

Rate
*Minimum deposit $1,000 (interest paid on maturity)

Registered products

RRSP/LIRA/RRIF/LRIF

Choose either a fixed or variable rate for your term deposit (also known as a Guaranteed Investment Certificate or GIC). Deposits guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.

RRSP/LIRA/RRIF/LRIF

Rate

Non-redeemable GIC (annually)

Rate
*Minimum deposit $1,000 (interest is paid monthly on anniversary date/at maturity)

Redeemable GIC

Rate
*Minimum deposit $1,000 (interest paid at maturity or time of redemption)
*Penalty applies if redeemed early. Convertible to a long term GIC without penalty. No partial withdrawals. 

 

TFSA rates

Your Tax Free Savings Account (TFSA) offers you the choice of an interest rate that's fixed or variable. One thing that never varies; all deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

TFSA variable

Rate

Non-redeemable GIC (annually)

Rate
*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)

Redeemable GIC

Rate
*Minimum deposit $1,000 (interest paid at maturity or time of redemption)
*Penalty applies if redeemed early. Convertible to a long term GIC without penalty. No partial withdrawals. 

 

FHSA rates

Your First Home Savings Account (FHSA) offers you the choice of an interest rate that's fixed or variable. One thing that never varies; all deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

FHSA variable

Rate

Non-redeemable GIC (annually)

Rate
*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)

Demand accounts

Business chequing accounts

Business 200

Rate
*Interest is calculated daily on each portion  and paid monthly

Community Builder account

Rate
*Interest is calculated daily on each portion and paid monthly

 

Business savings accounts

Business savings

Rate
*Interest is calculated daily on entire balance and paid monthly 

Monthly High Rate Savings

Rate
*Interest is calculated on the lowest balance during the month, paid monthly on the last day of each month

Business and Community High Rate Savings

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*Interest is calculated daily on entire balance and paid monthly

Personal chequing accounts

ACU Unlimited Chequing account

Rate

 

Personal savings accounts

Everyday Savings account

Rate
*Interest is calculated daily on entire balance and paid monthly 

High Rate Savings account

Rate
*Interest is calculated daily on entire balance and paid monthly
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Ready to get started?

Our knowledgeable advisors are here to help you take the next step—whether you're opening a new account, planning for the future, or simply exploring your options. Let’s talk about what’s right for you.

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