Don’t just save your money, grow it with savings accounts that give you:
Competitive interest rates right from dollar one
100% deposit guarantee
No minimum balance requirement
Access your money while it grows with day-to-day chequing accounts that give you:
Optional overdraft protection
Access to 1,800+ ding free® ATMs across Canada
Help your child build financial independence one step at a time.
Choose a savings account, an account for day-to-day spending, or both
Accounts earn interest right from dollar one
No monthly fees
Affordable banking for students pursuing post-secondary education at a university, college, or trade school.
Access to a full suite of online and digital banking solutions
Proof of enrollment is required
Manage your accounts your way with easy and effortless banking options including:
Online banking options for every account size
Dedicated tellers at every branch
Low-risk investing with GICs in various term lengths, available in both Canadian and U.S. funds.
Earn a guaranteed rate of return
GICs are also available in an RRSP, RRIF, or TFSA
Save for a rainy day, a big purchase, or get ready for retirement with a Tax-Free Savings Account.
All returns are tax-free
Manage your TFSA online or using the SCU app
Access your funds when you need them
Save for your retirement and reduce your taxable income now with an RRSP.
Enjoy tax-deferred savings
Make tax-deductible contributions
Choose from a variety of investing options
Give a child in your life a head start on their
post-secondary education with an RESP.
Increase savings with government grants
Convert your RRSP to a RRIF and enjoy a steady income while still earning interest on your money.
Control your income
Continue to grow your money tax-free
Use an RDSP to provide future financial security for an individual who receives the disability tax credit.
Earn tax-sheltered interest
Keep existing disability benefits
Reach your investment goals with online investing made easy by Qtrade Investor and VirtualWealth®.
Advanced investment software
Fast, friendly, and knowledgeable customer support
Invest in your future with some of the best home mortgage options available and get:
Competitive variable and fixed interest rates
Up to 25 years to repay with as little as 5% down
Pre-payment and extra-payment privileges
Invest in your future with some of the best condo mortgage options available and get:
90-day rate guarantee
Re-imagine your living space and increase the value of your home with a renovation mortgage and get:
Variable or fixed rate options
Leverage existing or “as-complete” home equity
Make your dream home a reality with self-build mortgages that give you:
A 12-month interest-only period
Access to funds when and how you need them
Contract-build mortgages offer a variety of options suited to the building process including:
Build a personal portfolio of rental properties with specially designed mortgages that give:
25 years to repay
Pre-approval based on projected rental income
Up to six rental units at our personal rate
Realize your dream of owning a cottage or vacation property with a mortgage that gives you:
Up to 80% financing
Ability to purchase on government leased land
Our New-to-Canada mortgage is designed to help newcomers find a home in their new community. We make this easier with:
No income verification requirements
Flexible payment options
We've been lending specialists for more than 75 years. We'll make sure you always get the best mortgage.
Expertise to craft custom solutions for unique needs
Local, in-house decision making
As little as a 5% down payment and up to 25 years to repay
Get the funds you need to consolidate your debt, contribute to your RRSP, or make a large purchase.
Competitive interest rates
Flexible repayment plans
No pre-payment penalties
Get the right amount of money at the right time with a pre-approved credit limit.
Get approved once, access funds as you need
Only pay interest on the funds you use
Our most prestigious card offering elite-level privileges, unique benefits, and exceptional service wherever you go.
$120 annual fee
Earn 2 points for every $1 spent1
Comprehensive travel protection3, price protection2, and exceptional benefits
Covering everything from baggage loss to emergency healthcare, this one card lets you rest easy when you’re on the go.
$99 annual fee
1 point for every $1 spent
Earn DOUBLE points for purchases in foreign currency1
Extensive insurance coverage on car rental, trip cancellation or trip interruption3
Shop in the U.S. and skip the exchange fees. No foreign transaction fees mean even more savings on everything you buy.
$50 annual fee (USD)
Earn 1 point for every $1 USD spent1
No foreign transaction fees for purchases made in the U.S.2
Get a customized credit line and interest rate to benefit your lifestyle and spending habits.
$40 annual fee
Earn one point for every $1 spent1
Low, variable interest rate
A no frills card that gives you a low annual fee, low interest rate, and essential purchase protection.
$30 annual fee
Low interest rate
Extended warranty, purchase protection2, and 24/7 customer service
Earn reward points while enjoying a low interest rate on purchases and cash advances.
$50 annual fee
Earn 1 point for every $1 spent1
Low interest rate, purchase protection2, and 24/7 customer service
Make everyday buying a bit more rewarding! Earn cash rewards on everyday purchases.
$0 annual fee
Earn 1% cash back with every 1 point earned1
Earn one point for every $1 spent and double points on gas purchases!
The smart choice for students looking to build credit and begin their financial future.
$0 annual fee
Enjoy an extended warranty on almost everything you buy2
Zero liability fraud protection2 and 24/7 customer service
Cover loan payments in case of the unexpected. Coverage options include: life, disability, critical illness, or loss of employment.
Protect your assets
Safeguard your savings
Maintain current credit score
Protect your biggest investment; your home! Coverage options include: life, disability, critical illness, or loss of employment.
Enrolling is easy and arranged at the time of your mortgage application
Safeguard your home from theft and other unforeseen events.
No premium increases for client‐paid claims
Claim counselling service for all your questions
Easily manage your policies online
Enjoy your trip worry-free with coverage for missed flights, trip cancellations, lost luggage, and hospital visits.
Up to $10 million coverage for emergency hospital visits or medical care
Multi-trip plan insurance for those who travel multiple times a year
24/7 access to multi-lingual emergency travel assistance
Debit cards at Verifone POS terminals
First Data support response time
Effortlessly manage your day-to-day banking.
No matter where you are in life, we have a financial solution for you.
With no monthly fee, you’ll pay only for the debits, transfers, and withdrawals you make – not the ones you don't.
One free debit monthly per $500 minimum monthly balance. Then pay as you go
No commitment to a monthly package or fee structure
No monthly fee
Choose this option with a low monthly fee if you make about 10 debit or cash transactions each week.
Enjoy 40 free monthly debits, including cheques, debits, or transfers, Interac® direct payments, Canadian credit union ATM debits and transfers, CU BY PHONE® bill payments, SCU Direct® bill payments, pre‑authorized debits
Get a $5 discount on your annual safety deposit box rental
Enjoy one free order of personalized cheques every year
$8.95 monthly fee
Choose this option to enjoy an unlimited number of debit or cash transactions for a set monthly fee.
Unlimited free transactions including cheques, debits, and transfers, Interac® direct payments, Canadian credit union ATM debits and transfers, CU BY PHONE® bill payments, SCU Direct® bill payments, pre‑authorized debits
$15.50 monthly fee
Choose this account if you bank mostly online, but still need to make a few debit or cash transactions each week.
Enjoy 20 free monthly debits or withdrawals including Canadian credit union ATM debits, CU BY PHONE® bill payments or pre‑authorized debits
This account has our lowest monthly fee
$5.00 monthly fee
Best for frequent travellers to the U.S. Save for a trip south of the border when the exchange is in your favour.
One free cheque or debit with every $1,000 minimum monthly balance
Purchase U.S. dollars when they're affordable, hold them for future use, and never worry about exchange rates again
Pay as you go
A day-to-day banking account for members aged 18 and under.
Unlimited transactions, with no monthly fee
Earns interest daily, paid monthly
Send funds easily with free Interac e-Transfer†
Skip ATM surcharge fees at Canadian credit unions that are part of the ding free® network
Transitions to a Standard Pack Chequing account at age 19
With no monthly fee, save more of your money for what you need.
35 free monthly transactions include Interac e-Transfer†, Interac® direct payments, Canadian credit union ATM debits, online banking bill payments and pre-authorized debits, cheques, and CU BY PHONE®
Access to online banking and our app
Free deposits always
Transitions to Standard Pack chequing account after your education
No monthly fee
See also our StudentFLEX™ Line of Credit.
Enjoy the peace of mind of a set monthly fee and unlimited debits.
Unlimited free monthly transactions include Interac® direct payments, Canadian credit union ATM debits, online banking bill payments and pre-authorized debits, cheques, and CU BY PHONE®
Unlimited Interac e-Transfer†
$10 monthly fee
See also our StudentFLEX™ Line of Credit.
For members aged 19 to 24, get started with affordable day-to-day banking at a low monthly fee.
35 free debits or withdrawals a month including cheques and transfers, Interac® direct payments, Canadian credit union ATM debits and transfers, CU BY PHONE® bill payments, SCU Direct® bill payments, and pre‑authorized debits
Unlimited Interac e-Transfer†
A simple, low-cost option for your day-to-day banking needs
$5 monthly fee
Do your banking in person, over the phone, or online – all for free. This account is designed for members aged 60+.
Unlimited transactions including chequing, Interac® direct payments, Canadian credit union ATM withdrawals, CU BY PHONE® and SCU Direct® bill payments, and Interac e-Transfer†
Get a discount on your annual safety deposit box rental
Stop getting dinged by surcharge fees! Access your money at over 1,800 ATMs across Canada through the ding-free® network.
There’s no minimum monthly balance required on any SCU chequing account.
We want your money to grow, that’s why there are no fees for depositing into any chequing account.
Online, at a branch, or on your mobile device, we make banking easy wherever you are.
All deposits are 100% covered by the Deposit Guarantee Corporation of Manitoba.
SCU offers in-house printing at each of our branches.