Published: April 23, 2018

Refer a Friend & You Both Win!

It's a great reward for sharing something wonderful with the people you care about!

When you refer a friend for a CCCU mortgage, we will put $100 in YOUR account and your friend will receive $250 towards assisting them with their closing costs*. It's that simple!

*To Qualify: Member cannot be a signor on the mortgage. Reward given after mortgage is disbursed. $100.00 CAD is deposited into the referring member’s account. The mortgage holder receives $250.00 CAD via closing cost discount only. Applies only to new purchase or transferred-in mortgages of 100,000.00 CAD or more. Program expires August 31, 2018 and is subject to change or cancellation at any time. See in branch representative for details.

Published: April 4, 2017

We have now launched our new and improved Online Banking System with MemberDirect® Online. Not only will you notice a new design and layout, but this innovative system will give you 24 hour online access to your account along with a list of other features, including:

  • Mobile Web Banking
  • Direct Alerts
  • Place and cancel stop payments
  • Change of address

You can also feel secure banking with MemberDirect® Online knowing that we have enhanced our security features even further. These enhancements include an increased Authentication process for your protection. MemberDirect® Online is consistently improving and upgrading features to make it easier for you to manage your money.

To access your account online after conversion, please visit and click on Online Banking. If you have bookmarked our existing online banking site, you will be automatically redirected to the new site. Your User ID and Password will remain the same to enable a seamless transition.

Stay tuned for the launch of MemberDirect® Online as we will continue to advise you of the exciting new features!

Published: March 31, 2017

2017 CCCU Scholarships

Crosstown Civic Credit Union is dedicated to our communities, our youth and their future.

We are pleased to offer six $500.00 scholarships, totaling $3,000.00 to members of Crosstown Civic Credit Union that are graduating grade 12 and pursuing post-secondary education.

For full details and to download the application form click here. All applications must be received no later than Monday, July 10th, 2017.

Published: March 23, 2017

CCCU Member Rewards/Member Equity Plan Announcement

The Board of Directors has returned $3.2 million to its members in the form of surplus shares. The amount represents 3.5% in patronage allocations, based on a member's loan interest paid and non-registered deposit interest received; plus 2.75% on existing surplus shares owned by the member.

The Board also declared a 20% cash redemption of existing surplus shares, which totalled $3.4 million.

Board Chair Alan Janzen said, "I'm very pleased that, depsite these challenging economic times, Crosstown Civic continues to grow. The members who are responsible for that growth deserve to share in our profits, and we are committed to maintaining and prioritizing our Member Equity Program."

This year's allocations bring the total amount returned to members to over $58 million since inception of the Member Equity Program in 1992, with almost $38 million paid out in cash.

CCCU CEO Mona Forsen added, "Without the trust and support of our members, 2016 would not have been such a successful year. The Member Equity Program rewards their trust and demonstrates the mutual support between our credit union and our members."

Crosstown Civic Credit Union was established in 1943. Today, CCCU is the 4th largest credit union in Manitoba with 31,000 member/owners, $2.3 billion in managed assets, and service delivered through a network of nine Winnipeg branches and the CCCU Commercial Department.

Please join us for our next Personal Shred Day event!

We will be hosting two events this year with the first on Saturday, April 22nd from 10AM to 2PM at our 1200 Henderson Highway and 3161 Portage Avenue West locations and Saturday, September 16th from 10AM to 2PM at our 515 St. Anne's Road and 1450 McPhillips Street branches.

We have partnered with Phoenix Recycling to assist the community in protecting their personal information by having it shredded securly on-site. Due to the popularity of the event and capacity restrictions, we ask that you kindly limit your shredding to 2 bags or boxes.

This year, we will be accepting donations on behalf of Habitat for Humanity. All donations for $15 or more will receive a tax receipt direct from Habitat. See you on September 16th!

Notice to members:  A Change to CCCU Branch Hours

As part of our ongoing efforts to bring more access and improved services to our members, we are changing our business hours of operation for the following locations effective May 1st, 2017.

171 Donald Street, Commercial Department and Winnipeg Square

This change is being made after careful analysis of member needs and thoughtful consideration for both our members and employees at CCCU.  We believe our level of service and responsiveness to our membership will improve as a result of these changes.

Our new hours of operation for both Winnipeg Square and 171 Donald Street which includes our Commercial Department effective May 1st, 2017 is as follows:

Monday to Friday from 9AM to 4:30PM.

As always, members can also visit any of our other branches during regular business hours for help or visit us online at

CTV Small for Website

Published: February 10, 2017

We are pleased to announce a new partnership with CTV Winnipeg as the title sponsor of Sports Star of the Week.

Each week throughout the remainder of the year, CTV will broadcast segments that air every Tuesday during CTV's Morning Live, Noon News, 6PM Evening News and the Local Late News at 11:30PM.

This is a wonderful opportunity, and we are proud to recognize the achievements of athletes in our communities!

New Brand Reflecting Who We Truly Are

Published: November 7, 2016

Our founding members first came together over 70 years ago because they believed that everyone deserves fair treatment, access to high quality services and sound, unbiased advice. They formed a co-op where they were truly able to direct the future of the organization and where the members were the sole beneficiaries of available profits.

We are proud and excited to reveal a new tagline and logo that clearly expresses these founding principles as well as the benefits that we deliver to members today.

Our new tagline is “Working for you. Owned by you.” It focuses on the fact that every decision we make, every action we take, is done exclusively with you – the owners of Crosstown Civic Credit Union – in mind. Recognizing members as owners, promises that you will receive the responsive, deeply respectful service that you deserve.

Our new logo design is contemporary, welcoming and straightforward. Open circles represent the openness and unity of a true co-op, and the small, half circle offers a friendly, inviting smile.

You will start to see the new brand rolled out online, in our branches, and in your wallet via our new debit cards.

Fraudulent e-Transfers

Published: June 16, 2016

If you received notification of an Interac e-Transfer that you were not expecting and are familiar with the sender,  please make contact with the party through a different form of communication to verify the transaction. If the notification comes from someone you do not know, or suspect it may be fraudulent, do not respond or click on any links contained within the email. Please forward the email to This email address is being protected from spambots. You need JavaScript enabled to view it.. For additional information on phishing scams, please click here.

For additional information on fraud, please click this link.

Jascha Boge

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.

Henry Dyck

Henry has had a career with the City of Winnipeg as a senior manager in the Planning, Property and Development Department, as well as consulting in areas of Legal Land Surveying, Property 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 boards including Chair of the Westgate Mennonite Collegiate Board of Directors.

Henry has and continues to be involved in a variety of community organizations and/or projects that include Charleswood Mennonite Church, Westgate Mennonite Collegiate, Canadian Mennonite University, Mennonite Central Committee (MCC) and Community Housing developments. Major property development and building projects were undertaken during his leadership. Henry’s experience, knowledge and dedication in this area has been an asset to the Board and in the strategic planning and the establishment of the St. Anne’s Road, Pembina Highway, Portage Avenue (St. James) and the McPhillips Street branches. Crosstown Civic CU now has nine branches to better serve its members throughout the City.

Henry is a long time Crosstown Civic member, an active Board member and has been on the Executive, Nominating, Branching, Building (Chair) and Loans Committees. Henry has the vision, experience, energy, time and motivation needed to help continue leading Crosstown Civic to move forward into the future and stay strong. Henry and his wife Elsie have two married children and six grandchildren. Henry and his wife enjoy spending time with family, the Arts, sports, volunteering, travelling and the cottage.

Catherine Burns

Catherine Burns has served on the Board of Crosstown Civic Credit Union for six years. She Chairs the Audit and Risk Committee and has participated in the Performance Review and Evaluation Committee and Nominations Committee. Catherine has recently completed the Institute of Corporate Directors-Rotman Director Education Program and attained her ICD.D.

Catherine is a Chartered Accountant with over 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 is currently the Interim CFO for Diagnostic Services Manitoba (DSM), a $200 million operation providing laboratory and imaging services at 77 diagnostic sites throughout Manitoba. She has worked for DSM for over seven years in a variety of leadership positions related to financial governance, organizational performance, change management and enterprise risk management.

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.

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.

Randy Schartner

Randy has founded/co-founded four entrepreneurial start-ups over the past 15 years. The most successful one was purchased by, 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.

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.

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.

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.

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. 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.

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.

Brent Berzuk

Chief Governance & Risk 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 he also holds his Canadian Risk Management designation (CRM) awarded through the Global Risk Management Institute. Brent was born and raised in Winnipeg and enjoys raising his two boys with his wife Cindy.

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.

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.

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.

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.

Ken Braun

Ken Braun is the General Manager of a large home builder in Winnipeg. Previously he spent most of his career in the concrete business, culminating in a General Manager role. In this role he oversaw four production facilities and a large logistics network. He obtained a Bachelor of Commerce (Honours) and a Master of Business Administration from the Asper School of Business at the University of Manitoba. To enhance his formal education, Ken broadened his leadership skills through numerous courses including the Dale Carnegie Leadership Training for Managers as well as a Mannaz Management Program in Malaysia. These training opportunities, along with escalating managerial responsibilities, gave him tools needed to lead an organization. In addition to his professional experience, Ken has served on the board of directors for three not-for-profit organizations, which include two separate roles as committee chair. Serving in his local community has been fulfilling and rewarding. Ken has been a Crosstown Civic Credit Union member since his parents first took him to open an account as a child. This is the only financial institution he has ever used. His 10 and 8 year old daughters recently became members, proudly carrying on the family tradition. When he is not working or volunteering, he enjoys golf, travelling with his family or simply watching Netflix with his wife.

Donovan Toews

Donovan Toews is an urban planner and principal owner of Landmark Planning & Design, a local land-use planning consulting firm in operation since 1996. He holds a Bachelor of Science in Geography and a Master’s Degree in City Planning. Donovan has served on a number of boards, and has fulfilled roles as Vice President of the Canadian Institute of Planners, President of the Manitoba Professional Planners Institute and Deputy Presiding Member of the Manitoba Surface Rights Board.

Donovan has been a member of Crosstown Civic Credit Union for more than 30 years. He appreciates the quality, personal service provided to members amidst the growth of the recent past. As the most recently elected member to Crosstown Civic’s board, Donovan wishes to focus on continuing to attract younger generations by meeting their unique expectations they have for the financial services sector. He also would like to explore ways to stay technologically current, while being mindful of the costs of pursuing such excellence. The skills and accomplishments Donovan has gained throughout his career and life position him well for serving on the board. He brings important strategic insight, analytical ability and communication skills to the group.