Account Selector

Welcome to the SCU Account Selector tool. By answering a few simple questions, you can determine what account best fits your needs. Whether it’s a chequing or a savings account, or even finding the best credit card. The SCU Account Selector can help you make the right choice. Just follow the instructions below... it's that easy!

Question 1What type of account are you looking for?
Question 2What is your age?
Question 3Are you currently enrolled in post-secondary education?
Question 4How many transactions do you conduct weekly? (Debits, transfers, bill payments, etc.)
Question 4How many transactions do you conduct weekly? (Debits, transfers, bill payments, etc.)
Question 3How many transactions do you conduct weekly? (Debits, transfers, bill payments, etc.)
Question 2Are any of these funds being used for an RRSP?
Question 3How often will you be contributing to your RRSP?
Question 3Will you require access to these funds in the near future?
Question 4How much will you be saving?
Question 2What type of Credit Card are you looking for?
Question 3Do you often carry a balance on your credit card?

Things to keep in mind:

  • You won't ever pay interest if you pay your credit card in full each month and don't use your card for cash advances or balance transfers.
  • If you regularly pay no interest, the card's interest rate may not be an important factor for you. Instead focus on the rewards and benefits a card offers.
  • If you regularly carry a balance, you might benefit from a card with a lower interest rate. It will reduce the amount of interest you pay as you work towards paying off your balance in full.
Question 4Are you willing to pay an annual fee if the rewards and benefits are worth the cost?
Question 3Are you willing to pay an annual fee if the rewards and benefits are worth the cost?

Please contact SCU for more information.
All information is subject to change without notice.

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Headstart Benefits

Great chequing package for 13 to 18 year olds.

No Monthly Fees

  • Free Interac® Direct Payments
  • Free INTERAC e-Transfer†  
  • Free CU BY PHONE® and SCU Direct® online service bill payments
  • Free Canadian Credit Union ATM transfers and withdrawals
  • Free pre-authorized debits

Classic Pack

  • Monthly package $15.50
  • Free Unlimited
    • Cheques, debits, and transfers
    • Interac® direct payments
    • Canadian Credit Union ATM debits and transfers
    • CU BY PHONE® bill payments
    • SCU Direct® online service bill payments
    • Pre-authorized debits
  • SCU Personalized Cheques
  • Discount on Safety Deposit box rental

Student Pack

  • Monthly package FREE
  • 35 free debits including
    • Cheques and transfers
    • Interac® direct payments
    • Canadian Credit Union ATM debits and transfers
    • CU BY PHONE® bill payments
    • SCU Direct® online service bill payments
    • Pre-authorized debits

Proof of enrolment is required.

On Track Pack

A convenient account ideal for ages 19-24.

  • Monthly package $3.50
  • 35 free debits including
    • Cheques and Transfers
    • Interac® direct payments
    • Canadian Credit Union ATM debits and transfers
    • CU BY PHONE® bill payments
    • SCU Direct® online service bill payments
    • Pre-authorized debits

Value Pack

  • Monthly Package $8.95
  • 40 free debits including
    • Cheques, debits or transfers
    • Interac® direct payments
    • Canadian Credit Union ATM debits and transfers
    • CU BY PHONE® bill payments
    • SCU Direct® online service bill payments
    • Pre-authorized debits
  • SCU Personalized cheques
  • Discount on Safety Deposit box rental

Standard Pack

There are no fees or minimum balances required to any chequing account.

  • Fees applied per transaction
    • $0.65 / Cheque, debit, transfer, or withdrawal
    • $0.50 / CU BY PHONE® or SCU Direct® online service bill payment
    • $0.55 / Pre-authorized debit or Interac® direct payment
  • One free cheque or debit with every $500 minimum monthly balance

E-Pack

  • Monthly package $5.00
  • 20 free debits including
    • Interac® direct payments
    • Canadian Credit Union ATM debits and transfers
    • CU BY PHONE® bill payments
    • SCU Direct® online service bill payments
    • Pre-authorized debits
    • Non-Interest Account

Golden Chequing Account

For members aged 60 and better, we provide these FREE benefits on personal chequing amounts.

  • Free
    • Cheques and Transfers
    • Interac® direct payments
    • INTERAC e-Transfer†  
    • Canadian Money Orders & US Dollar Moneygram Drafts
    • Canadian Credit Union ATM debits
    • CU BY PHONE® and SCU Direct® online service bill payments & transfers
    • Certified Cheques
    • SCU Personalized Cheques
    • Discount on Safety Deposit box rental
  • Chequing Account overdraft protection is available on approval.
  • Chequing Account interest is calculated on the daily balance and is paid on the last day of the month. No minimum balance required.
  • SCU Members have access to over 1,800 surcharge-free ATMs.
  • We offer a variety of calculators designed to help with your everyday financial needs.
  • All deposits* are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.

*Savings accounts, Chequing accounts, RRSPs, RRIFs, TFSAs, and Term Deposits

Print Results

Regular Savings

  • Competitive Interest Rate from dollar one
  • No minimum monthly balance required
  • Interest calculated on minimum monthly balance
  • Interest paid annually
  • Tiered pricing starting @ $100,000
  • First monthly withdrawal free
    Fee: up to $1.00 per subsequent withdrawal

Monthly Savings

  • Competitive Interest Rate from dollar one
  • No minimum monthly balance required
  • Interest calculated on minimum monthly balance
  • Interest paid monthly
  • First monthly withdrawal free
    Fee: up to $1.00 per subsequent withdrawal

PLAN 24® Account

  • Competitive Interest Rate from dollar one
  • No minimum monthly balance required
  • Interest calculated on daily balance
  • Interest paid monthly
  • Great holding account
  • First monthly withdrawal free
    Fee: up to $1.00 per subsequent withdrawal

TFSA

  • Competitive Interest Rate from dollar one
  • Interest is tax-free 
  • No minimum monthly balance required
  • Interest calculated on minimum monthly balance
  • Interest paid annually 
  • Option for fixed rates 
  • Contribution limits apply
  • Must be 18 years of age
  • Canadian Resident
  • $3.00 withdrawal fee

Term Deposit (GICs)

  • Guaranteed Competitive Interest Rate from dollar one
  • Available in 1 to 5 year terms
  • Tiered pricing starting @ $100,000 
  • Interest is compounded or paid annually
  • Minimum deposit of $500 is required 
  • SCU also offers U.S. dollar Term Deposits, click here to learn more.

Wealth Management

We've worked with our members, managing and increasing their wealth for over 70 years. Simply put, we pay attention to your investments, help manage your assets and help you make the right decisions at the right time. Click here to learn more.

Variable RRSP

  • Tiered Competitive Interest Rates from dollar one
  • Allows for multiple deposits
  • Can be transferred to a fixed rate option at anytime
  • No minimum balance required
  • We also offer a Variable U.S. Dollar RRSP, click here to learn more.

*Savings accounts, Chequing accounts, RRSPs, RRIFs, TFSAs, and Term Deposits

Print Results

Student Choice Rewards MasterCard®

  • Choice Rewards Program -1 point earned per eligible $1 spent 
  • $24 annual fee
  • Additional Card: No fee  
  • MasterPurchase®
  • MasterTrip®
  • Common Carrier Travel Accident Insurance
  • Credit limit $500 - $2000
  • Interest rate 19.49%  

Apply Now

Student MasterCard®

  • No annual fee 
  • MasterPurchase®
  • MasterTrip®
  • Credit limit of $500 - $2000
  • Interest Rate 19.49%

Apply Now

Low Rate MasterCard®

  • Annual fee of $30
  • Additional card: No fee
  • MasterTrip®
  • $500 - $35,000 credit limit
  • Interest Rate 11.99%

Apply Now

No Fee Choice Rewards® MasterCard®

  • Choice Rewards Program - 1 point earned per eligible $2 spent
  • No Annual Fee
  • Additional card: No fee
  • MasterTrip®
  • $500 - $35,000 credit limit
  • Interest Rate 19.99%

Apply Now

World Elite MasterCard®

  • Choice Rewards Program - 2 points earned per eligible $1 spent*
  • Annual Fee $150
  • Additional card $40
  • MasterPurchase®
  • MasterTrip®
  • MasterRental®
  • Travel Medical Insurance
  • Concierge - World Elite only
  • Price Protection
  • $500 - $35,000 credit limit
  • Interest Rate 19.49%

* There is no limit to the number of CHOICE REWARDS points that you can earn with the CHOICE REWARDS World Elite MasterCard through eligible retail purchases

Apply Now

Gold MasterCard®

  • Choice Rewards Program (optional)  - 1 point earned per eligible $1 spent 
  • Annual fee (without Choice Rewards) $96
  • Additional card (without Choice Rewards) $36
  • Annual fee (with Choice Rewards) $120
  • Additional card (with Choice Rewards) No fee 
  • MasterPurchase®
  • MasterRental®
  • MasterTrip®
  • Travel Medical Insurance
  • $500 - $35,000 credit limit
  • Interest Rate 19.49%

Apply Now  with Choice Rewards

Apply Now  without Choice Rewards

Low Fee Gold MasterCard®

  • Choice Rewards Program (optional) - 1 point  per eligible $1 spent
  • Annual fee (without Choice Rewards) $35
  • Additional card (without Choice Rewards) $12
  • Annual fee (with Choice Rewards) $59
  • Additional card (with Choice Rewards) No fee 
  • MasterPurchase®
  • MasterRental®
  • MasterTrip®
  • $500 - $35,000
  • Interest Rate 19.49%

Apply Now  with Choice Rewards

Apply Now  without Choice Rewards

Low Fee MasterCard®

  • Choice Rewards Program (optional) - 1 point earned per eligible $1 spent
  • Annual fee (without Choice Rewards) $12
  • Annual fee (with Choice Rewards) $24
  • Additional card: No fee 
  • MasterPurchase®
  • MasterTrip®
  • $500 - $35,000 credit limit
  • Interest Rate 19.49%

Apply Now  with Choice Rewards

Apply Now without Choice Rewards

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