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Published January 16, 2024
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5 minutes

Access Credit Union Review

Manitoba-based Access Credit Union offers both personal and business financial services worldwide, but its branch network is limited to Manitoba.

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Access Credit Union at a glance

Access Credit Union was founded in 1940 and, following its merger with two other Manitoba credit unions, has more than $10 billion in assets.

  • Access Credit Union account options
    Mastercard credit cards
  • Other Access Credit Union services
    Lines of credit
    Business financing

Access Credit Union overview

Access Credit Union is a Manitoba-based credit union with a broad lineup of financial offerings. Headquartered in Winnipeg, it offers a standard lineup of personal and business banking products, including chequing and savings accounts, credit cards, investment accounts, lending products and wealth management services. Access Credit Union has partnerships with third-party investment brands — Aviso Wealth and Qtrade — and services its customers both in-person and online via its branch network, banking portal and mobile app.

In July 2022, Access merged with Noventis Credit Union and Sunova Credit Union, significantly increasing its assets, employees and branch locations.

Online banking capabilities at Access Credit Union

Access Credit Union’s website (, online banking portal and free-to-download mobile app are capable of facilitating all sorts of digital banking services. From a computer, tablet or mobile device, you can pay bills, schedule payments, deposit cheques, review your transaction history and more.

Access Credit Union has more than 60 branches for those who prefer to do their banking face-to-face.

Is my money safe at Access Credit Union?

Access Credit Union doesn’t carry CDIC coverage. Instead, it relies on protection from the Deposit Guarantee Corporation of Manitoba (DGCM). Access Credit Union deposits are 100% guaranteed by the DGCM.

For online banking customers, Access Credit Union uses 256-bit TLS encryption to protect sensitive banking information. You can take further steps to protect your data when online banking by using strong passwords and implementing up-to-date antivirus and firewall software protection.

Access Credit Union account types

Access Credit Union savings accounts

Access Credit Union chequing accounts

Access Credit Union credit card accounts

Access Credit Union investing accounts

Other Access Credit Union banking services

Access Credit Union fees

Banking fees can vary based on the accounts you have and how you use them. Here are some of the common fees you may encounter using Access Credit Union’s financial products and services:

Who Access Credit Union is best for:

Manitobans seeking personal or business banking services.

Its broad spectrum of services coupled with its Manitoba-based branch network makes Access Credit Union a practical fit for those seeking a financial institution in the region. It offers a selection of term deposit plans and mutual funds and partners with multiple third-party investment companies to offer a variety of investment options for its customers.

Whether you prefer to bank in-person, online or by telephone, Access Credit Union has the resources to provide for a variety of banking clientele. It also offers term deposit plans and mutual funds for investors.

Access Credit Union pros and cons

There’s plenty to like about Access Credit Union, but no bank or credit union is without its drawbacks. Here’s what to consider before you open an account.

Pros of Access Credit Union

Cons of Access Credit Union

How Access Credit Union compares to other credit unions

Primary region of serviceMobile and online bankingAre deposits insured?
Access Credit UnionManitoba.Yes.Yes, by the Deposit Guarantee Corporation of Manitoba.
Laurentian BankMontreal.Yes.Yes, by the Canada Deposit Insurance Corporation.
Northern Credit UnionNorthern Ontario.Yes.Yes, by the Financial Services Regulatory Authority of Ontario’s Deposit Insurance Reserve Fund.
Sydney Credit UnionNova Scotia.Yes.Yes, by the Nova Scotia Credit Union Deposit Insurance Corporation.
Vision Credit UnionAlberta.Yes.Yes, by the Credit Union Deposit Guarantee Corporation.

» MORE: Explore more Banking reviews, and see what other Canadian Big Banks, credit unions and online-only banks have to offer.

Access Credit Union frequently asked questions

Who did Access Credit Union merge with?

Access Credit Union merged with Sunova Credit Union and Noventis Credit Union on July 1, 2022.

How many members does Access Credit Union have?

Access Credit Union has over 200,000 members.


What Is a Credit Union?

What Is a Credit Union?

A credit union is a not-for-profit financial institution owned by its customers and run as a cooperative.

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