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Rates

Reach your financial goals with these competitive rates.

Effective May 24, 2024

Featured rates

FHSA/TFSA
variable

Interest Rate

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

Interest Rate

2-yr fixed
mortgage

Interest Rate

5-yr fixed
mortgage

Interest Rate

*Rates subject to change.

Mortgage rates


Our rates are market-competitive and loans can be customized to meet your financial needs. Contact us to set up an appointment to determine which loan or mortgage is most suitable for you. 


Home mortgage interest rates


Best Rate Fixed Closed Mortgages

Rates

6-Months 7.50%
1-Year 6.00%
2-Year 5.90%
3-Year 5.50%
4-Year 5.35%
5-Year 5.10%

Variable Rate Open Mortgage

Rate

1-Year 7.20%

Variable Rate Closed Mortgage 

Rate

5-Year 6.30%

Prime 

Rate

Prime Lending Rate 7.20%



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.

Redeemable GIC*

Rates

1-year redeemable GIC 4.400%

*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.


Short Term Non-Redeemable GIC*

Rates

30 - 59 days 0.600%
60 - 89 days 0.750%
90 - 119 days 0.850%
120 - 179 days 0.950%
180 - 269 days 1.000%
270 - 364 days 1.250%

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


Non-Redeemable GIC (Annually)*

Rates

12 - 23 months 4.900%
24 - 35 months 4.700%
36 - 47 months 4.400%
48 - 59 months 4.350%
60 - 66 months 4.300%

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


Non-Redeemable GIC (Monthly)*

Rates

12 - 23 months 4.775%
24 - 35 months 4.575%
36 - 47 months 4.275%
48 - 59 months 4.225%
60 - 66 months 4.175%

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


USD Short Term GIC*

Rates

30 - 59 days 2.800%
60 - 89 days 2.850%
90 - 119 days 2.900%
120 - 179 days 2.900%
180 - 269 days 2.900%
270 - 364 days 2.900%

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


Registered products


Choose an interest rate that’s fixed or variable for your Registered Retirement Savings Plan (RRSP) or Registered Retirement Income Fund (RRIF) term deposit (also known as a GIC or Guaranteed Investment Certificate). Remember, your principal investment is 100% guaranteed with ACU.


RRSP/RRIF Redeemable GIC*

Rates

1-year redeemable GIC 4.400%

*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.


RRSP/RRIF Non-Redeemable GIC*

Rates

12 - 23 months 4.900%
24 - 35 months 4.700%
36 - 47 months 4.400%
48 - 59 months 4.350%
60 - 66 months 4.300%

*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)


RRSP/RRIF Variable Rate Savings*

Rates

$0 - $99,999 2.950%
$100,000 - $249,999 3.050%
$250,000 and over 3.150%

*No minimum deposit required (interest calculated daily on entire balance and paid at month end)





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 Redeemable GIC*

Rates

1-year redeemable GIC 4.400%

*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 Non-Redeemable GIC (Annually)*

Rates

12 - 23 months 4.900%
24 - 35 months 4.700%
36 - 47 months 4.400%
48 - 59 months 4.350%
60 - 66 months 4.300%

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


TFSA Non-Redeemable GIC (Monthly)*

Rates

12 - 23 months 4.775%
24 - 35 months 4.575%
36 - 47 months 4.275%
48 - 59 months 4.225%
60 - 66 months 4.175%

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


TFSA Savings Account*

Rates

on entire balance 3.500%

*No minimum deposit required. 




Your First Home Savings Account 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 Non-Redeemable GIC (Annually)*

Rates

12 - 23 months 4.900%
24 - 35 months 4.700%
36 - 47 months 4.400%
48 - 59 months 4.350%
60 - 66 months 4.300%

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

FHSA Savings Account*

Rates

on entire balance 3.500%

*No minimum deposit required. 

Demand accounts


We offer account packages that provide chequing options or high interest savings to help your money work harder. 


Business chequing accounts*

Business 200

Rates

$0 - $24,999 0.00%
$25,000 - $49,999 0.10%
$50,000 - $99,999 0.10%
$100,000 - $249,999 0.20%
$250,000 - $499,999 0.25%
$500,000 - $999,999 0.25%
$1,000,000 and over 0.25%


Basic Business, Business 25, Business 75, Business 125, US Business

Rates

Non-interesting bearing *0.00%

*Interest is calculated daily on each portion and paid monthly


Community Builder account

Rates

$0 - $999 0.00%
$1,000 - $2,999 0.00%
$3,000 - $4,999 0.00%
$5,000 - $9,999 0.10%
$10,000 - $24,999 0.10%
$25,000 - $49,999 0.20%
$50,000 - $74,999 0.20%
$75,000 - $99,999 0.25%
$100,000 - and over 0.25%

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


Business Savings accounts

Business Savings account*

Rates

on entire balance 0.05%

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


Monthly High Rate Savings

Rate

$0 - $99,999 3.30%
$100,000 - $249,999 3.40%
$250,000 and over 3.50%

*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

Rate

$0 - $99,999 2.70%
$100,000 - $249,999 2.80%
$250,000 and over 2.90%

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


Because everyone's different and we all bank differently, ACU offers a variety of account options that pay different interest rates. 


Personal chequing accounts


ACU Unlimited Chequing account*

Rates

$0 - $4,999 0.00%
$5,000 and over 0.05%

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


Personal savings accounts

Everyday Savings account*

Rates

on entire balance 0.05%

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


High Rate Savings account*

Rates

$0 - $99,999 3.35%
$100,000 - $249,999 3.45%
$250,000 and over 3.55%

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


U.S and Foreign Exchange Rates


Our foreign exchange service allows you to buy and sell Canadian and U.S. dollars.

These U.S. exchange rates apply to cash, cheque and Money Wire Transfers only. Travelex Draft requests must be processed in branch as the rate is booked with Travelex at the time of sale. 


USD to CAD Exchange Rates

Member Buying

Member Selling

United States Dollar ($0 - $24,999)* 1.3896 1.3496
United States Dollar ($25,000 - $49,999)* 1.3871 1.3521
United States Dollar ($50,000 - $99,999)* 1.3846 1.3546
United States Dollar ($100,000 - $499,999)** 1.3821 1.3571

*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.

**For requests of $500,000 USD and over or to place an order for other currencies, visit your nearest branch or call us at 204.958.8588 or toll-free 1.877.958.8588.




NOTE: Rates are subject to change without notice at any time.

Service Fee Brochure


  • JANUARY 2024 service fee brochure was updated to include FHSA. Service fees are still effective as of JUNE 2022
  • Service fees reflect per-item charges
  • Service fees vary depending on account type
  • Service fees are subject to change without notice at any time. For more information visit your nearest branch or contact us.

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