Deposit Accounts

All-In-One Chequing

The following fees apply:

Cheque clearing or counter withdrawal $0.65
Electronic transfer (excludes Interac® e-Transfer® service) $0.55
Express Line or Internet bill payments $0.55

Maintain $1,000.00 for the entire month for:

Free cheque clearing and counter withdrawals
Free electronic transfers (excludes Interac® e-Transfer® service)
Free Express Line & Internet bill payments
Free MB Credit Union ATM access
Free Interac Direct Payments

Golden Benefits

Available to members 59 years of age and over
Free cheque clearing, Interac direct payments & counter withdrawals on ALL IN ONE
Free Interac® direct payments and counter withdrawals on PLAN 24® account
Free Express Line & Internet bill payments
Free MB Credit Union ATM access
$5 reduction on Safety Deposit Box
Free bill payment for select vendors

Basic Service Package

Interest rate increases as balance increases.

Monthly fee of $10.00 includes 25 free debits per month in any combination of the following:

  • Cheque clearing & counter withdrawals
  • Electronic transfers (excludes Interac® e-Transfer service)
  • Express Line or Internet bill payments
  • MB Credit Union ATM access
  • Interac® Debit Service
  • $5 reduction on Safety Deposit Box

FAT CAT® Savings

Available to members up to 13 years of age.

  • Interest calculated daily and paid monthly
  • Internet or Express Line access available
  • MEMBER CARD® Debit Card available with parent or guardian authorization
  • Free counter withdrawals

Full Service Package

Monthly fee of $16.00 includes unlimited:

  • Cheque clearing & counter withdrawals
  • Electronic transfers (excludes Interac® e-Transfer® service) 
  • Express Line & Internet bill payments
  • MB Credit Union ATM access
  • Interac Direct Payments
  • $5 reduction on Safety Deposit Box

MOVING UP® ACCOUNT

Interest rate increases as balance increases.

Available to members 13-20 years of age.

  • Free cheque clearing & counter withdrawals
  • Free electronic transfers (excludes Interac® e-Transfer® service)
  • Free Express Line & Internet bill payments
  • Free MB Credit Union ATM access
  • Free Interac® Direct Payments
  • $5 reduction on Safety Deposit Box

PLAN 24® Daily Savings

Interest calculated daily and paid monthly

The following fees apply:

Counter withdrawals $0.65
Express Line or Internet bill payments $0.55
Manitoba C.U. ATM withdrawal, inquiry, transfer $0.55
Interac Direct Payment $0.55

Maintain $1,000 for the entire month for:

  • Free counter withdrawals
  • Free Express Line & Internet bill payments
  • Free MB Credit Union ATM access
  • Free Interac® Direct Payments

Premium Savings

Exceptional interest rate calculated on daily closing balance, paid on last day of each month.

  • One free debit per month (after that $1.25 per debit)
  • No maintenance fees
  • No minimum deposit require

The Premium Savings account is available for personal accounts only.
For comparative rates on business accounts contact the Commercial Department at 204-942-2686.

Student Package

Interest rate increases as balance increases.

Available to full-time students who are enrolled in a post-secondary educational institution.

  • Free cheque clearing & counter withdrawals
  • Free electronic transfers (excludes Interac® e-Transfers)
  • Free Express Line & Internet bill payments
  • Free MB Credit Union ATM access
  • Free Interac Direct Payments
  • Reduced interest rate loans available (OAC)
  • $5 reduction on Safety Deposit Box

Term Deposits/GICs

  • Competitive rates for terms from 30 days to 7 years
  • Interest paid annually or compounded
  • Choose from automatic renewal or principle and interest to be paid to any deposit account

Term Income Fund

  • GIC investment that provides regular payments of principal, while paying high investment grade rate of interest.
  • Terms from 1 to 7 years; minimum deposit of $5,000.
  • Flexible payment options include weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually, or annually.
  • Highly competitive interest paid on full reducing balance, compounded annually.
  • Descriptive statement provided quarterly.

US Chequing

Interest rate increases as balance increases.

  • Cheque or counter withdrawal: $1.50
  • Interest paid in U.S. dollars
  • U.S. fund Line of Credit (OAC)
  • Patronage dividend/surplus shares in U.S. funds

Tax Free Savings Account

  • The Tax-Free Savings Account (TFSA) allows Canadians to invest money and watch that savings grow tax-free throughout their lifetime. TFSA savings can be used to purchase a new car, renovate a house or take a family vacation for instance.
  • Canadians from all walks of life and income levels will be able to benefit.
  • To better help our member/owners we are attaching an up-to-date link offering you the most current information for TFSAs. Please click on the link below.
  • See Products & Services brochure for applicable fees.
  • TFSA - Contribution Room
  • Do you have questions about over-contributions and what to do? If so click the link below for the most up-to-date information.
  • TFSA - Over-Contribution
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Jascha Boge
Chair

Jascha is a P. Eng., and graduated from the University of Manitoba with a B. Sc. degree in Civil Engineering. He is a member of the Association of Professional Engineers and Geoscientists of Manitoba. Jascha’s principal occupation is Secretary-Treasurer of Langreen (2005) Ltd., a construction company that builds commercial and industrial projects in Manitoba and North West Ontario. He serves Crosstown Civic Credit Union as Chair of the Board of Directors and sits on the Executive and Governance, as well as the Loan Committee. Jascha also serves the community at large as a member of the Executive Committee of Rainbow Stage, Winnipeg’s well-known musical theatre company. Jascha and his wife, Hildi enjoy spending family time with their 6 children and 14 grandchildren.

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Henry Dyck

Henry an active member on the Crosstown Civic Board of Directors is currently on the Executive, Branching and Loans Committees. He has been deeply involved in the strategic planning and development of new Crosstown Civic branch offices. Henry has had a long service career with the City of Winnipeg as a Senior Manager in the Planning, Property and Development Department as well as a consultant in areas of Legal Land Surveying, Property and Land Development and Real Estate. Henry is a Professional Land Surveyor and has served as president of the Association of Manitoba Land Surveyors. He has served on various community and service organization boards including chair of the Westgate Mennonite Collegiate. Ensuring the continued success for the Crosstown Civic is Henry’s goal.

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Catherine Burns

Catherine has served on the Board of Crosstown Civic Credit Union for 5 years. She Chairs the Audit and Risk Committee and actively participates in the Performance Review and Board Evaluation Committee. During the first two years of her term Catherine successfully completed the Credit Union Director Achievement Program and served on the Nominations Committee. She is currently enrolled in the Rotman School of Management, ICD Director’s Education Program.

Catherine is a Chartered Accountant with 30 years of experience in consulting, finance and administrative leadership positions. Her industry experience includes insurance, post-secondary education, telecommunications, health care, retail and publishing in private, public and non-profit organizations.

Catherine holds a Senior Leadership position with Diagnostic Services Manitoba. In her current role, she oversees the financial performance of 77 diagnostic sites throughout Manitoba and serves on the Enterprise Risk Management Committee.

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Alan J. Janzen
Vice Chair

Alan is currently "self-deployed" after a career in education which involved teaching at all levels of public school and culminated in 23 years with Manitoba Education's Curriculum Branch as a consultant, assistant director and director. He has also been a long standing credit union board member, having served 12 years as Board Chair (president) of Crosstown Credit Union, and subsequently has been active in every aspect of committee work with Crosstown Civic Credit Union. He is currently Board Vice-Chair and Chair of the Performance Review Committee. Alan holds B.A., B.Ed., and M.Ed. degrees from the University of Manitoba. Alan enjoys spending quality time with his family, is active in his church community, and enjoys choral singing and volunteering with The MCC.

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Ellie Krahn

Ellie became a member of the credit union in 1971 and joined the Board in 2000. She has served in many capacities including the Personal Committee, President of the Safeway Credit Union Board from 2003 until amalgamation with Civic, as Vice President of Civic Credit Union from the Civic/Safeway amalgamation to the Crosstown Civic amalgamation. With Crosstown Civic she has served on the Executive, Loans, Nominating, and Building Committee's. She has completed the required Credit Union Director Achievement Program as well as many optional training modules.

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Randy Schartner

Randy has founded/co-founded four entrepreneurial start-ups over the past 15 years. The most successful one was purchased by Priceline.com, a public, multi-national company. He is currently the President of Priceline Partner Network and oversees its Winnipeg office and manages key accounts for the company, which has seen tremendous growth over the past six years. Randy is also a Real Estate and Development entrepreneur.

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Don Enns

Don has been a member of our credit union for more than thirty five years. Don possesses a Master of Business Administration (MBA) degree, a Post Baccalaureate Diploma in Management, and an Honours Certificate in Project Management. Don has also completed extensive course work in organizational behavior, strategic planning, financial management, and ethical decision making. Don is a District Chief with the Winnipeg Fire Department and an instructor for both Dalhousie University and the Justice Institute of British Columbia, facilitating fire service based administrative course delivery to students across Canada while utilizing an online platform.

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John Zacharias

John is a Chartered Professional Accountant and has been in private practice since 1978. During those years, he worked with many businesses in manufacturing, construction, retail and service industries assisting them with their accounting, financial and tax planning needs. He also served on various boards including the Society of Management Accountants of Manitoba, Westgate Mennonite Collegiate and treasurer of the North Kildonan Mennonite Church. John and his wife Helen have been members of Crosstown Civic Credit Union for more than forty-five years.

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Ingrid Loewen

Ingrid is a Chartered Accountant (1986) with a Bachelor of Commerce, Honours Degree (1983) from the University of Manitoba. For 25 years she worked for one of Manitoba’s largest crown corporations in leadership positions including the Chief Audit Executive and Chief Financial and Strategy Officer with a wide range of responsibilities including governance, strategy, finance, internal audit, privacy, social responsibility, and communications. Ingrid has extensive experience with board governance as an executive responsible for board processes and a board/committee member for various professional associations, not-for-profit organizations and Church Council.

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Mona Forsen
Chief Executive Officer

Prior to joining Crosstown Civic, Mona held executive leadership roles within the Manitoba credit union system, and a variety of management roles with a major Canadian bank. She holds a Master of Business Administration and Bachelor of Commerce (Honours) degree from the University of Manitoba and currently sits on the University’s Board of Governors. As Chief Executive Officer, Mona believes that Crosstown Civic is all about helping our members achieve their financial goals and that this is only accomplished by caring about and investing in CCCU employees, members and the local communities we serve. Mona and her husband Ward enjoy traveling and participating in many sporting activities.

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Bernice McClintock

Chief Operating Officer

Bernice has worked within the credit union system in various leadership roles for over 20 years. She is passionate about optimizing our members’ experiences within our credit union. She holds her Certificate in Management (Honours) and a Professional Management designation, and has been recognized as a leader in her field. Bernice is actively involved in the community, and has served on the board of The Elizabeth Fry Society, Community Credit Counselling, and The Manitoba Marathon. Bernice volunteers for Manitoba Cancer Care, Siloam Mission and Canadian Blood Services. Bernice and her husband Phil are actively involved in the many outdoor sporting events Winnipeg has to offer.

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Brent Berzuk
Chief Risk & Compliance Officer

Brent has been employed in the financial services field his entire career, initially in various branch banking roles with major Canadian Chartered Banks, and more recently for almost a decade in the Manitoba Credit Union system in areas of specialized project work and risk management. Brent is a graduate of the University of Manitoba where he obtained his B. Comm (Hons) degree and is currently pursuing his Canadian Risk Management designation which is awarded through the Global Risk Management Institute. Brent was born and raised in Winnipeg and enjoys raising his two teenage boys with his wife Cindy.

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Joël Bosc
Chief Financial Officer

Joël joined Crosstown Civic Credit Union in 2007 as its Chief Financial Officer. Prior to joining the credit union, Joël held various senior accounting and finance roles, including five years as director of finance at a Manitoba caisse populaire. Joël is a CPA,CA, having attained his Chartered Accountant designation while working with Ernst & Young’s Winnipeg office, and also holds a Bachelor of Commerce (Honours) degree from the University of Manitoba.

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Neil Enns
Commercial Department Manager

Neil Enns is the Manager of the Crosstown Civic Commercial Department and has been employed by the credit union for over 26 years. He has seen the commercial department grow from about $2,000,000 in size to its current portfolio of over $700,000,000. Neil has a degree from the University of Manitoba, Faculty of Business with a major in Finance. He is married to his wife Patty and they have three wonderful daughters.

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Rick Yallits
Chief Information Officer

Rick is the CIO of CCCU. He has been employed by CCCU since 2010 but has been involved with CCCU and their IT since the early 90’s, when there were only four branches. Prior to 2010, Rick spent the previous 17 years working for another company which provided IT services to many CU’s within the province, of which CCCU was one. Rick has a diploma from RRCC in Business Administration as well as a Certificate from RRCC in Computer programming.

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Deborah Harri

Deborah’s is a corporate governance professional with over 20 years of experience. She was formerly an executive and member of the leadership team of the Canadian Wheat Board. Deborah also served as Corporate Secretary of the CWB for 10 years, which involved advising and working closely with an elected board. She has formal director training and is an accredited director with an ICD.D designation from the Institute of Corporate Directors (ICD)-Rotman School of Management Directors Education Program.

Deborah is currently chair the board of the Manitoba Lung Association and also serves on the Executive of the Manitoba Chapter of the ICD, on the advisory board of NovaTuri Group and on the Governance Renewal Subcommittee of the Canadian Lung Association.

Deborah holds a Bachelor of Commerce (Honours) degree from the University of Manitoba and has taken numerous corporate governance courses.