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March 16 , 2020

An update on COVID-19

We're all in this together. Read our update on COVID-19 and how we can help.  Learn more.

Debit cards at Verifone POS terminals

We wish to advise that there is currently an issue at some merchant locations, as a result of a software update, on their point of sale devices. Unfortunately, this is resulting in cards issued in 2019 (debit & credit) being declined. If you experience an issue with your debit card, you can:
* Split your transaction in two to allow for Contactless transactions. 
* Enable Google Pay, Samsung Pay, or Apple Pay on your mobile phone.
* We also recommend that members have cash on hand as a back up until this issue is resolved.

Learn more about this issue on the Interac website.

Are you a CUETS Financial card holder?

Effective March 9, you will need to change your bill payee from CUETS Financial Mastercard to MBNA Canada Mastercard in order to continue paying through SCU Direct. Learn how by reading the instructions in SCU Direct on the bill payee page.

SCU Rates

SCU is committed to having competitive, flexible rates for all your mortgage, loan, savings, and investment needs. All deposits are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba. The following rates are effective as of December 03, 2020 and are subject to change without notice. 

Regular Savings*

Less than $100K

1.60%

$100K - $249,999

1.70%

$250K** and over

1.85%

Monthly Savings

0.85%

PLAN 24® Savings

0.35%

FAT CAT® Savings (ages 5 - 12)

On first $2,000

3.35%

Additional balance

1.60%

Chequing

0.05%

*This account can be opened online.
**Limits may apply.
Rates last updated March 18, 2020. Rates subject to change without notice.
Applies to Canadian deposits only.
®PLAN 24 and FAT CAT are registered trademarks owned by Credit Union Central of Canada, used under license.

TFSA* (variable)

1.90%

RESP (variable)

1.35%

RRSP* / RRIF (variable)

Less than $100K

1.65%

$100K - $249,999

1.75%

$250K** and over

1.95%

GIC (GIC* / RRSP / RRIF / TFSA)

12-month

Less than $100K

1.50%

$100K - $249,999

1.55%

$250K** and over

1.60%

24-month

Less than $100K

1.55%

$100K - $249,999

1.60%

$250K** and over

1.65%

36-month

Less than $100K

1.60%

$100K - $249,999

1.65%

$250K** and over

1.70%

48-month

Less than $100K

1.70%

$100K - $249,999

1.75%

$250K** and over

1.80%

60-month

Less than $100K

1.80%

$100K - $249,999

1.85%

$250K** and over

1.90%

GIC (RESP)

12-month

1.25%

24-month

1.30%

36-month

1.35%

48-month

1.45%

60-month

1.55%

*This account can be opened online.
**Limits may apply. 

Rates last updated March 18, 2020. Rates subject to change without notice.
GIC minimum balance: $500.

Fixed 1-year

2.69%

Fixed 2-year

2.69%

Fixed 3-year

2.69%

Fixed 4-year

2.69%

Fixed 5-year

2.79%

Closed Variable (APR†)

2.35%

Open Variable (APR†)

2.95%

Interested in a commercial mortgage? Call us today at 1.800.728.6440.
Rates last updated March 18, 2020. Rates subject to change without notice. Some restrictions may apply. Actual rates may vary. 
†The annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.

Standard loan rate

2.95%

Line of Credit

Starting at

3.95%

Personal Loan

Starting at

3.95%

StudentFLEXTM Line of Credit

Rates Vary

e-Loan

Rates Vary

Rates last updated March 18, 2020. Rates subject to change without notice. Some restrictions may apply. Actual rates may vary
The annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.
Standard loan rate is the base by which loan rates are determined. For more information, please call us at 1.800.728.6440.

Regular Savings*

Less than $100K

2.55%

Regular Savings*

$100K - $250K

2.65%

Regular Savings*

More than $250K

2.85%

TFSA*

2.80%

Monthly Savings

1.65%

PLAN 24 Savings

1.15%

FAT CAT Savings (5 - 12 years)

Up to $1,000

4.15%

FAT CAT Savings (5 - 12 years)

More than $1,000

2.55%

Chequing

0.05%

*Indicates online application is an option. 
Rates last updated May 1, 2019. 
Applies to Canadian deposits only.

RESP

2.30%

RRSP* / RRIF

Less than $100K

2.55%

RRSP* / RRIF

$100K - $250K

2.65%

RRSP* / RRIF

More than $250K

2.85%

GIC (GIC* / RRSP* / RRIF / TFSA*)

GIC (GIC* / RRSP* / RRIF / TFSA*)

GIC (GIC* / RRSP* / RRIF / TFSA*)

GIC (GIC* / RRSP* / RRIF / TFSA*)

GIC (GIC* / RRSP* / RRIF / TFSA*)

GIC (RESP)

GIC (RESP)

GIC (RESP)

GIC (RESP)

GIC (RESP)

48-month

*Indicates online application is an option.
Rates last updated May 1, 2019.
GIC minimum balance: $500.

Closed Variable (APR†)

3.35%

Open Variable (APR†)

3.95%

Fixed 1-year

3.29%

Fixed 2-year

3.35%

Fixed 3-year

3.05%

Fixed 4-year

3.25%

Fixed - 5 year (APR†)

3.35%

Interested in a commercial mortgage? Call us today at 1.800.728.6440.
Rates last updated May 1, 2019. Some restrictions may apply. Actual rates may vary. 
The annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.

Standard loan rate

3.95%

Personal loan

Starting at 4.95%

Line of credit

Starting at 4.95%

Rates last updated October 26, 2018. Some restrictions may apply. Actual rates may vary The annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.
Standard loan rate is the base by which loan rates are determined. For more information, please call us at 1.800.728.6440.

Member buying

1.3614

Member buying

1.4654

Member selling

1.3214

Member selling

1.4254

Member buying

1.3614

Member buying

1.4654

Member selling

1.3214

Member selling

1.4254

The U.S. dollar exchange rates posted below are for volumes of US $1 - $4,999. For higher volume transactions, please call 1.800.728.6440.
Some restrictions may apply. Actual rates may vary. Rates subject to change without notice.

Chequing

0.05%

GIC

30-day 

0.55%

GIC

60-day

0.60%

GIC

90-day

0.65%

GIC

12-month

2.50%

Rates last updated October 26, 2018. Some restrictions may apply. Actual rates may vary.
GIC minimum balance: $500.

Business Regular Savings

Less than $100K

2.25% 

Business Regular Savings

$100K - $250K

2.35%

Business Regular Savings

More than $250K

2.45%

AgriInvest

2.20%

Monthly Savings

1.40%

Plan 24 Savings

0.90%

Chequing

0.05%

Rates last updated May 1, 2019.
Actual rates may vary. Rates subject to change without notice.

Regular Savings

Less than $100K

2.25%

Regular Savings

$100K - $250K

2.35%

Regular Savings

More than $250K

2.45%

Regular Savings

Monthly Savings

1.40%

PLAN 24 Savings

0.90%

Chequing

0.05%

Rates last updated May 1, 2019. Rates subject to change.

PLAN 24 Savings

1.15%

Chequing

0.05%

Monthly Savings

1.65%

Regular Savings

Regular Savings

Less than $100K

2.55%

Regular Savings

$100K - $250K

2.65%

Regular Savings

More than $250K

2.85%

Rates last updated May 1, 2019. Rates subject to change.

Member buying

1.3614

Member buying

1.4654

Member selling

1.3214

Member selling

1.4254

Member buying

1.3614

Member buying

1.4654

Member selling

1.3214

Member selling

1.4254

Effective date: March 18, 2020. The U.S. dollar exchange rates posted above are for volumes of U.S. $1 - $4,999. For higher volume transactions, please call 1.800.728.6440.
Some restrictions may apply. Actual rates may vary. Rates subject to change without notice.

U.S. Chequing

0.05%

GIC

30-day

0.10%

60-day

0.10%

90-day

0.15%

12-month

0.35%

Rates last updated March 18, 2020. Rates subject to change without notice. Some restrictions may apply. 
GIC minimum balance: $500.

Business Regular Savings

Less than $100K

1.30%

$100K - $249,999

1.35%

$250K** and over

1.40%

Monthly Savings

0.60%

PLAN 24® Savings

0.25%

AgriInvest

1.25%

Chequing

0.05%

Lawyer / Realtor Trust Chequing

0.35%

Lawyer / Realtor Trust Savings

1.40%

Rates last updated March 18, 2020. Rates subject to change without notice.
**Limits may apply.
®PLAN 24 is a registered trademark owned by Credit Union Central of Canada, used under license.

Regular Savings

Less than $100K

1.60%

$100K - $249,999

1.70%

$250K** and over

1.85%

Monthly Savings

0.85%

PLAN 24® Savings

0.35%

Chequing

0.05%

Rates last updated March 18, 2020. Rates subject to change without notice.
**Limits may apply.
®PLAN 24 is a registered trademark owned by Credit Union Central of Canada, used under license.

Regular Savings

Less than $100K

1.30%

$100K - $249,999

1.35%

$250K** and over

1.40%

Monthly Savings

0.60%

PLAN 24® Savings

0.25%

Chequing

0.05%

Rates last updated March 18, 2020. Rates subject to change without notice.
**Limits may apply.
®PLAN 24 is a registered trademark owned by Credit Union Central of Canada, used under license.