Deposit Guarantee

As a Manitoba Credit Union, all our deposits, including interest, are guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

What is protected and what is not?

The guarantee covers deposits only. These include chequing, savings, guaranteed investment certificates/term deposits (GICs), and Registered Plans.
The guarantee does not cover non-deposit instruments which would include members’ share capital (e.g. common, surplus, or preferred shares), mutual funds, and self-administered RRSPs that are not deposits (e.g. equity shares and mutual funds)

How are your deposits protected?

The Deposit Guarantee Corporation of Manitoba ensures that credit unions and caisses populaires operate under sound business practices and maintain quality assets, thereby minimizing the risk of loss. Legislation requires credit unions and caisses populaires to maintain minimum levels of capital and liquidity. The Deposit Guarantee Corporation of Manitoba maintains a fund to guarantee deposits. Credit unions and caisses populaires pay a quarterly assessment to maintain the fund at an acceptable level.

For more information on the Deposit Guarantee, please visit


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need help?


1.800.264.2926 (North America Toll-Free)