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Your CCCU Board of Directors is excited to announce a merger of equals with Access Credit Union.

On Thursday, June 25, we achieved a two-thirds majority vote in favour of amalgamating with Access Credit Union. Voting took place through an online and in-branch vote from June 23rd - 25th. A two-thirds majority vote was needed, and we are pleased to share that the resolution was passed with 87% of the members that voted in favour from Crosstown Civic Credit Union and 77% in favour from Access Credit Union.

The future is promising for our members, communities, and employees, who enjoy a strong, sustainable credit union committed to the financial well-being of individuals, that is operationally competitive, differentiated through its commitment to member well-being, is rooted in cooperative principles, and passionate to support the communities in which we all live, work and play. The new credit union will be more sustainable and better able to leverage opportunities and manage risks in the ever-changing financial landscape.

Thank you to the members who participated in this important vote! More information will be shared in as we prepare to bring our two credit unions together, with an effective date of January 1, 2021. We are committed to ensuring we continue to keep you informed as we work through that process. Please watch our website and member communications for more information on next steps.


Benefits to Crosstown Civic Members

We believe that the new merged credit union will be stronger financially than either of the credit unions individually, with the capacity to provide greater benefits for our members, our employees, and our communities.

Here are just some of the benefits Crosstown Civic members can expect:

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With realized cost reductions and operational efficiencies, the new credit union will be in a stronger financial position to not only maintain, but also provide enhanced offerings in the following areas:

  • Highly competitive rates and fees;
  • Stronger, more competitive variable TFSA interest rates;
  • More diverse account package options, some of which will include free e-Transfers; and
  • A new, more flexible patronage program with the objective of paying out bonuses in cash.

It is anticipated that the new credit union will have the financial capacity to pay out current CCCU surplus shares in cash over a five year period.

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The new credit union will have increased technological capacity, allowing for continued investments in leading edge technology, security, and experiences that meet or exceed member expectations. CCCU members would also benefit from technology already available at Access Credit Union, including but not limited to:

  • Online account opening (registered and non-registered accounts);
  • Mobile wallets (Apple®, Samsung® and Google Pay®);
  • Online chat;
  • Virtual wealth offering;
  • Commercial remote deposit capture, which allows businesses to deposit bulk cheques at their business location; and
  • An Innovation Centre used to test new technologies.

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Members will have greater access to high-quality advice from experts, and more convenient banking options, such as expanded:

  • Wealth management and insurance offerings to provide one-stop service for all financial needs.
  • Geographic footprint that will provide access to wider branch network throughout the city of Winnipeg and Southern Manitoba.
  • Mobile Mortgage team for enhanced relations with members.

Additionally, there is no branch overlap; the CCCU staff that you’re familiar with will continue to serve you at the Winnipeg branch locations.

More Information

Since the announcement in November, to ensure members are well-informed about this merger opportunity, we have worked diligently to provide timely information and ongoing updates on our corporate website and the joint merger website We conducted a member survey in January, hosted two very engaging member forums, delivered special edition Connection newsletters in both February and June, and took advantage of social media channels.

Download copies of the special edition Connection newsletters:

We will continue to answer questions using our dedicated email until voting closes at

Frequently Asked Questions

Have a question about the merger? See our Frequently Asked Questions guide for answers.

Merger Website

Visit our merger website for more information on both credit union partners and the proposed merger.

Press Release

Read the press release distributed on Wednesday, May 27, 2020.

Formal Notice

See the Formal Notice, distributed in the Winnipeg Free Press on Thursday, May 28, 2020.

e-Transfer outages: Please note that members will not be able to send money via e-Transfer beginning May 3rd at 12:00 p.m. or receive money via e-Transfer beginning May 5th at 5:00 p.m. until Sunday, May 9.
Important: We are upgrading to a new digital banking platform. Please update or verify your mobile number or personal email by June 1st to access online banking post-upgrade. Learn more>>