ACU Financial Services
Built for Canadians
From everyday banking and personal loans to wealth management and assiniboine credit union-grade solutions, ACU delivers trusted financial expertise across Canada. Explore our full range of services below.
Everyday Banking Solutions
Manage your day-to-day finances with ACU's full suite of personal banking services — simple, secure, and always member-focused.
Most Popular
From $0/mo
Personal Chequing Account
A flexible everyday chequing account with no monthly fees on qualifying balances, unlimited e-transfers, and real-time mobile banking access.
- Unlimited Interac e-Transfers
- Mobile & online banking
- Visa debit card included
High Yield
Up to 4.5% APY
High-Interest Savings Account
Grow your savings faster with ACU's competitive high-interest savings rates, fully insured deposits, and no monthly maintenance fees.
- No monthly fees
- CDIC insured deposits
- Automatic savings plans
Fixed Rate
From $500
Guaranteed Investment Certificate
Lock in a competitive fixed return with ACU GICs — short or long term, registered or non-registered, with terms from 30 days to 5 years.
- Terms: 30 days to 5 years
- RRSP & TFSA eligible
- Flexible payout options
Financing Solutions
Whether you're buying your first home or funding a major purchase, ACU offers flexible loan and mortgage products at competitive rates.
Home Buyers
From 4.99% APR
Residential Mortgages
ACU's residential mortgage solutions are designed for first-time buyers and experienced homeowners alike, with fixed and variable rate options and expert local guidance.
- Fixed & variable rate options
- Pre-approval in 24 hours
- Flexible amortization periods
Personal
From 6.49% APR
Personal Loans
Finance your goals — from education and renovations to major purchases — with ACU's transparent personal loans featuring no hidden fees and fast approvals.
- Loans from $1,000 to $75,000
- No early repayment penalties
- Same-day decision available
Flexible Access
From Prime + 0.5%
Home Equity Line of Credit
Leverage the equity in your home for renovations, debt consolidation, or unexpected expenses. ACU's HELOC gives you revolving credit access at competitive rates.
- Up to 80% of home equity
- Interest-only payment options
- Reuse as you repay
Auto & Vehicle Financing
Drive away in confidence with ACU's competitive auto loans for new and used vehicles. Flexible terms, fast approvals, and no dealer markup.
Student & Education Loans
Invest in your future with ACU's education loan programs. Low rates, deferred repayment options, and financial planning support for students.
Grow Your Wealth
ACU's investment solutions help Canadians build long-term wealth with tax-advantaged registered plans and diverse investment products.
Tax Advantage
Up to 18% contribution room
RRSP — Retirement Savings
Maximize your retirement savings and reduce your taxable income with ACU's flexible RRSP accounts. Choose from GICs, mutual funds, and more.
- Immediate tax deduction
- Wide investment choice
- Spousal RRSP available
Tax-Free Growth
$7,000 annual limit
TFSA — Tax-Free Savings
Grow your savings completely tax-free with ACU's TFSA. Withdraw anytime without penalties, and re-contribute in future years — total flexibility for your goals.
- No tax on growth or withdrawals
- Flexible contribution room
- Available from age 18
Diversified
From $500
Mutual Funds & Portfolios
Access professionally managed, diversified mutual fund portfolios through ACU's investment platform — aligned to your risk tolerance and time horizon.
- Ethical investment options
- Regular portfolio reviews
- Low minimum investment
Getting Started with ACU is Easy
Choose a Service
Browse our full range of financial services and select what fits your needs.
Book a Consultation
Speak with an ACU financial advisor — in person, by phone, or online.
Review Your Plan
We tailor a financial plan built around your goals, timeline, and budget.
Start Growing
Open your account, access your funds, and watch your financial future build.
Protect What Matters Most
ACU's insurance solutions give you peace of mind, covering life, health, and property — all backed by local expert advice.
Life Insurance
Protect your family's financial security with term or whole life insurance tailored to your stage of life and coverage needs. ACU advisors guide you every step of the way.
Creditor & Loan Protection
Keep your loan and mortgage payments covered in the event of disability, job loss, or critical illness. ACU's creditor protection helps you stay on track during life's uncertainties.
Home & Property Insurance
Comprehensive home insurance protecting your property, contents, and liability. ACU partners with trusted insurers to find you the best coverage at the right price.
Travel Insurance
Travel confidently knowing ACU's travel insurance covers emergency medical, trip cancellation, lost baggage, and more — for individuals, families, and frequent travellers.
Assiniboine Credit Union Wealth Services
Following the assiniboine credit union tradition of member-first values, ACU's wealth management team delivers personalized financial planning for your complete financial picture.
Personalized
Complimentary consult
Financial Planning
ACU's certified financial planners create a comprehensive roadmap for your financial future — covering retirement, education, estate, and tax planning in one integrated strategy.
- CFP-certified advisors
- Holistic financial review
- Annual plan updates
Retirement
No management fee
Retirement Income Planning
Transition from saving to spending with confidence. ACU helps you build a sustainable retirement income strategy using RRIF, pensions, CPP optimization, and more.
- RRIF conversion planning
- CPP & OAS optimization
- Inflation-adjusted projections
Legacy
Custom pricing
Estate Planning Advisory
Protect your legacy and ensure your wishes are carried out with ACU's estate planning services — including wills, powers of attorney, trusts, and beneficiary strategy.
- Will & POA guidance
- Charitable giving strategies
- Beneficiary review
Business Financial Solutions
From start-ups to established enterprises, ACU provides Canadian businesses with the financial tools, credit, and advisory services needed to succeed.
Business
From $12/mo
Business Chequing & Banking
Manage your business finances efficiently with ACU's business banking accounts — payroll processing, merchant services, online banking, and dedicated account management.
- Unlimited transactions
- Payroll & direct deposit
- Business Visa included
Commercial
From 5.75% APR
Business Loans & Credit Lines
Fund equipment purchases, working capital, or expansion with ACU's flexible business lending — term loans, revolving credit lines, and commercial mortgages up to $10M.
- Credit lines from $25K
- Commercial real estate loans
- Government loan programs
Employer
Custom quote
Group Benefits & Employee Plans
Attract and retain top talent with ACU's group benefits programs — dental, vision, health, disability, and group RRSP plans designed for businesses of all sizes.
- Health & dental coverage
- Group RRSP & DPSP
- Scalable for any team size