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Credit Union
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Assiniboine

Advertiser Disclosure

About company

Assiniboine Credit Union or ACU, is a Manitoba-based financial cooperative founded in 1943. Today, ACU has 19 branches in Winnipeg and two branches in Thompson and Gillam. ACU’s total assets exceed $6 billion.

Features

There are both personal and commercial banking products and services at ACU.

Once you join ACU, you get the voting right when choosing the board of directors and influencing the profit distribution.

ACU is notable for its community involvement — in particular, financing grants and sponsorships and offering different community-oriented programs.

Pros and cons 

Here are the pros of joining ACU:

  • Products and services for both individuals and businesses 

  • Safety of deposits guaranteed by the Deposit Guarantee Corporation of Manitoba (DGCM)

  • Zero fees for student and youth accounts

  • Competitive rates for high-rate savings accounts and GICs

  • Online, mobile, and telephone banking features available

The cons of ACU are: 

  • Limited geographic availability of ACU’s products and services

  • Limited network of ATMs

  • Most chequing accounts involve minimum balance requirements to waive monthly fees 

Products

For individuals, there are the following products at ACU:

  • Chequing accounts for everyday banking needs with a small to an unlimited number of transactions included

  • Savings accounts to deposit funds and earn interest with zero monthly fees and a small to an unlimited number of electronic and in-branch transactions included

  • Credit cards offered in partnership with Collabria featuring benefits like zero annual fees, cash-back, and reward-earning opportunities

  • Mortgages with both open and closed terms available at fixed and variable rates

  • Loans for different borrowing needs, including personal loans for any goals, RRSP loans to optimize your RRSP contributions, and auto loans to finance a purchase of a new or used car

  • Lines of credit for different categories of borrowers providing revolving access to an approved credit amount

  • Registered plans, including RRSPs, TFSAs, RESPs, RRIFs, and RDSPs, to grow your savings and investment income tax-free

  • Investment products like GICs providing 100% security and a guaranteed return on your initial investment, and mutual funds tailored to your individual investment needs

  • Insurance products, including travel, home, life, and vehicle insurance, as well as other options

Business clients can apply for the following products from ACU:

  • Chequing accounts for the daily banking needs of your business with a small to an unlimited number of transactions included

  • Savings accounts with zero monthly fees and interest-bearing capabilities

  • Credit cards featuring benefits like zero annual fees, and reward-earning opportunities

  • Loans with competitive fixed and variable interest rates and repayment terms of up to 10 years

  • Lines of credit providing access to a revolving credit amount at competitive variable interest rates

  • Commercial mortgages providing financing for purchase, expansion, or renovation real estate projects at fixed and variable interest rates

  • Commercial leasing providing access to equipment that your business needs

  • Investment products including business GICs that guaranteed the security of your initial investment and the expected return and mutual funds tailored to the investment needs of your business

  • Group RRSPs and services to help your employees save for retirement and have their contributions deducted from the payroll

  • Insurance products for business owners, including commercial property insurance, commercial general liability insurance, business interruption insurance, professional liability insurance, and more

Services

For individuals, there are the following services at ACU:

  • Incoming wire transfers to receive money transfers to your ACU account from anywhere in the world 

  • Wealth management, including the creation of a personalized investment strategy to reach your financial goals

  • Digital investing opportunities for self-directed investors available through Qtrade Direct Investing™

Services for businesses include:

  • Incoming wire transfers to receive funds to your ACU business account from anywhere in the world

  • Customer-automated fund transfer services to pay employees and suppliers and receive payments faster

  • Merchant payment services providing customers with convenient ways to pay you

  • Commercial investment services to come up with a long-term personalized investment strategy for your business.

ACU

FAQ

Who owns ACU?

Assiniboine Credit Union is a membership-owned financial cooperative. There are more than 139,000 Manitobans among the ACU’s owners.

Is ACU legitimate?

Assiniboine Credit Union Limited is a registered legal entity with the following LEI: 549300LYTZOM00Q5LE75.

ACU is a certified B corporation which means it meets the high standards of social and environmental performance.

How to contact ACU customer service?

You can reach out to the ACU Member Communication Centre by the following contacts:

  • Phone — 204.958.8588  (toll-free only available in North America 1.877.958.8588)

  • Fax — 204.958.7348 (toll-free only available in North America 1.855.299.5566)

  • Email — [email protected]

The ACU Member Communication Centre works Monday through Friday from 8:00 a.m. to 8:00 p.m. (CST) and Saturdays from 9:00 a.m. to 4:00 p.m. (CST).

ACU is a financial co-operative with over $6 billion in assets. We offer a full suite of personal and commercial banking products and services, and a team of financial and wealth advisors to help our members succeed. We have seventeen branch locations in Winnipeg, two northern branches in Thompson and Gillam, and we’re owned collectively by over 139,000 Manitobans who use our services today.

© Assiniboine Credit Union
Assiniboine service available provinces
  • Manitoba
Assiniboine service available provinces
Financial products
Assiniboine
No Fee Cash Back Visa* Business Card®
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Assiniboine
Low Rate Visa* Business Card®
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Assiniboine
Visa Infinite Business* Card®
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Assiniboine
US Dollar Visa* Card®
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Assiniboine
Travel Rewards Visa* Gold Card®
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Assiniboine
Visa Infinite* Card®
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Assiniboine
Visa* Classic Card®
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Recommended FinScore™
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Assiniboine
Centra Visa* Gold Card®
Rating by Finanso®
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Assiniboine
Cash Back Visa* Card®
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Assiniboine
RRSP Line of Credit
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Assiniboine
Home Advantage Plan Mortgage
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Recommended FinScore™
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300
650
1000
up to 80% of home value
Assiniboine
Student Line of Credit
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Recommended FinScore™
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starting at $5,000
Assiniboine
Personal Line of Credit
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650
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starting at $5,000
Assiniboine
Auto finance
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Assiniboine
RRSP loan
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Assiniboine
Personal loan
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Assiniboine
Youth High Rate Savings
Rating by Finanso®
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$0 monthly fee
Rate
i

Effective interest rate on the product

up to 3.25%
Assiniboine
Matched Savings Account
Rating by Finanso®
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Assiniboine
High Rate Savings
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$0 monthly fee
Rate
i

Effective interest rate on the product

up to 3.25%
Assiniboine
Everyday Savings
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$0 monthly fee
Rate
i

Effective interest rate on the product

0.05%
Assiniboine
Specialty mortgages
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Assiniboine
Mortgage refinancing
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Assiniboine
Mortgage renewals
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Assiniboine
Buying a home
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Recommended FinScore™
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650
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Rate
i

Effective interest rate on the product

4.75% to 5.95%
aggregation.company.all-products
Similar products
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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1000
Rate
i

Effective interest rate on the product

19.75% - 21.49%
Rating by Finanso®
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1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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300
650
1000
from $5,000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
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Recommended FinScore™
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650
1000
Rate
i

Effective interest rate on the product

20.99% - 22.99%
Rating by Finanso®
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Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

21.99% - 22.99%
Best Quick Loan Today 18.03.2024*
Mr. Payday
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Apply
Borrowell
Personal Loan
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0
300
650
1000
$500-$50,000
Rate
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Effective interest rate on the product

up to 39.99%
Term
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Loan term for the financial product

up to 84 months
Mogo
Personal Loan
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
$500-$15,000
Rate
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Effective interest rate on the product

up to 46.96%
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Loan term for the financial product

up to 60 months
Coast Capital Savings
Personal Loan
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Recommended FinScore™
0
300
650
1000
$500-$50,000
Rate
i

Effective interest rate on the product

7.5%
Term
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Loan term for the financial product

60 months
Refresh Financial
Credit builder loan
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650
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$1,250-$10,000
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Effective interest rate on the product

up to 19.99%
Term
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Loan term for the financial product

up to 60 months
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Toronto-Dominion Bank
TD Every Day Savings Account
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$0 monthly fee
Tangerine Bank
Savings Account
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$0 monthly fee
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i

Effective interest rate on the product

1.00%
Scotiabank
Ultimate Package
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up to $30.95 monthly fee
Royal Bank of Canada
Savings Deposit
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Recommended FinScore™
0
300
650
1000
no minimum deposit
Rate
i

Effective interest rate on the product

0.5%
Mogo
Mortgage
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Recommended FinScore™
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300
650
1000
Rate
i

Effective interest rate on the product

4.46%
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
$10,000-$100,000,000
Rate
i

Effective interest rate on the product

up to 4.95%
Term
i

Loan term for the financial product

up to 10 years
Think Financial
Mortgage
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Recommended FinScore™
0
300
650
1000
$50,000-$500,000
Rate
i

Effective interest rate on the product

up to 5.19%
Term
i

Loan term for the financial product

up to 25 years
CHIP Reverse Mortgage
Reverse Mortgage
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Recommended FinScore™
0
300
650
1000
$100,000-$500,000
Rate
i

Effective interest rate on the product

up to 7.67%
Term
i

Loan term for the financial product

up to 25 years
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
$1,000-$10,000,000
Rate
i

Effective interest rate on the product

up to 4.94%
Term
i

Loan term for the financial product

up to 40 years
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