COVID-19: Frequently Asked Questions
Answers to the most common questions we receive regarding the COVID-19 situation.
We continue to focus on ways we can further protect the health and safety of our members, our employees, and the communities that we serve. As a result, we have decided to take further actions based on government recommendations to help flatten the curve and we are making additional temporary changes to our operations.
Effective Monday, June 22, all suburban located branches will be open to members from 10:00 a.m. to 4:00 p.m. The Winnipeg Square and 171 Donald Street branches will remain available by phone only. Find out more.
Branch employees will continue to work in-branch assisting members via phone. If you need to get in touch, please call 204-942-1277.
It is critical for our province to work together to flatten the curve and that’s why we are doing everything we can to help our members over the phone and limit the need for them to come into the branch. Most banking transactions and services can be performed remotely or by phone with one of our employees. We will continue to do all we can to keep our members and staff safe while still meeting the financial needs of all.
To protect members and employees, we are asking our members to partner with us and do their banking a little differently. We are there for our members and we are committed to providing them with the outstanding service and support they deserve.
If you need to get in touch or request an appointment, please call 204-942-1277. If it is determined that you require an in-branch appointment, please know that we have limited the number of members allowed in the branch at any given time, implemented strict physical distancing measures inside and outside our branches, and have increased our cleaning protocols. We have also installed protective screens at our front counters.
Most of your banking can be done through our remote options like ATMs, telephone, online, and mobile banking. These options ensure unlimited, 24-hour access to your money without needing to leave your home. Businesses can also continue to make deposits in any of our branch night depositories with the exception of Winnipeg Square. Please call us at 204-942-1277 for more information on how to get set up.
We can also help you with a variety of banking needs over the phone. We have many Crosstown Civic staff available and ready to answer your calls at our branches and through our Member Solutions Centre.
Absolutely. No matter the circumstance, you will still have access to your funds through either our retail branch, online banking, mobile banking app, telephone banking, and ATM and point-of-sale networks. Your money is safe and protected with us. Your deposits are 100% guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.
During these uncertain times, we understand the worry our members may be feeling, especially as it relates to money. We are here to support you and help you during this time. If you’re facing financial challenges or worried as a result of COVID-19 or the economic downturn, please visit the Financial Assistance page or contact your local branch at 204-942-1277. Our team will work with you directly to meet your unique needs and reduce any financial pressure you may be feeling due to this pandemic.
Our flexible financial assistance programs are available for both personal and business borrowing members who have been impacted by COVID-19 including illness, loss of income, or caring for a sick relative. Please visit our Financial Assistance or Business Members sections to see the available programs.
There could be changes to your future payment amount depending on deferrals and repayment schedules, as outlined in each product deferral. Interest is still being charged on your loan or mortgage and is added to your outstanding balance. This means your loan or mortgage balance will not be repaid under the terms and conditions of your last loan or mortgage agreement and therefore will take you longer to pay it off and increase the total cost of borrowing.
Qualifying members can defer up to 6 months payments including both principal and interest. Because of the lack of principal reduction during the payment deferral period the total cost of borrowing will increase. We will work with you to get your payments back on track at a future date.
Members will still need to pay their property taxes and insurance benefits unless other arrangements are made. Visit the City of Winnipeg Resource site for more details. CCCU’s insurance provider has made arrangements for members to defer some insurance premiums. Should you be looking for relief on your insurance premiums, please contact a branch representative for assistance.
You can repay a skipped payment at any time without penalty. Ideally, you should also pay the interest added on to your loan balance from having extended that payment.
Call us at 204-942-1277 to process the payment for you.
We intend to continue to make this program available until at least June 30th. This means you don’t have to decide right away or if you don’t need immediate relief, you can wait and take advantage of the program later if your circumstances change.
Yes. Borrowing members with a loan are also available to defer payments for a period of up to 3 months. Line of credit holders can also defer their monthly interest payments for a period of up to 3 months.
Yes. The credit union is here to help as best we’re able. Mortgage, loan, and line of credit applications are still being accepted and reviewed by branch lenders. Please contact a representative of the credit union to review what options might be available to you by contacting us at 204-942-1277.
Deposits held in Manitoba credit unions are fully guaranteed. There is no limit to the size of deposit covered by the guarantee – whether $1 or $1,000,000 or more. Your savings are 100% guaranteed by the Deposit Guarantee Corporate of Manitoba.
We thank you for your patience
while we work through additional call
and email volume from our members.