About Hubert Financial
Hubert (branded 'Hubert Happy Savings' at happysavings.ca) is the online-only banking division of Access Credit Union, Manitoba's largest credit union. It was launched in November 2010 as the digital brand of Sunova Credit Union, which merged into Access Credit Union in 2022. It offers high-interest savings accounts and term deposits (GICs) online with no transaction fees.
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Access: Membership required · Open common bond
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Saskatchewan, Yukon
How to join: Apply online at happysavings.ca and purchase a refundable $5 Access Credit Union membership share.
Notes: Provincially regulated in MB by Access Credit Union; DGCM-MB-guaranteed deposits open to Canadian residents in every province, including BC.; Online arm of Access CU; DGCM-MB-guaranteed; open to BC residents
Deposit protection: Deposit Guarantee Corporation of Manitoba
100% unlimited deposit guarantee
Current top rates
rates confirmed as of 2026-10-07| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.85% |
| 2-year GIC | 3.95% |
| 3-year GIC | 4.05% |
| 4-year GIC | 4.15% |
| 5-year GIC | 4.25% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
— not stated on siterates confirmed as of 2026-10-07Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 3.85% |
| 2 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 3.95% |
| 3 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 4.05% |
| 4 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 4.15% |
| 5 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 4.25% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-07The rate rises at each step of the term, usually each year. Yield is the effective annual yield the institution prints.
| Product | Step 1 | Step 2 | Step 3 | Step 4 | Yield |
|---|---|---|---|---|---|
| 1-year escalators · 3-month steps | |||||
| 1 Year Quarterly1 year · redeemableNon-regRRSPRRIFTFSA | 3.45% | 3.65% | 3.85% | 4.05% | 3.75% |
Savings & chequing rates
rates confirmed as of 2026-10-07Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | High Interest Savings | — | — | $0 | 2.50% |
| RRSP | |||||
| RRSP | TFSAs, FHSA, RRSPs, & RRIFs | — | — | $0 | 2.50% |
| RRIF | |||||
| RRIF | TFSAs, FHSA, RRSPs, & RRIFs | — | — | $0 | 2.50% |
| TFSA | |||||
| TFSA | TFSAs, FHSA, RRSPs, & RRIFs | — | — | $0 | 2.50% |
| FHSA | |||||
| FHSA | TFSAs, FHSA, RRSPs, & RRIFs | — | — | $0 | 2.50% |
No rates match these filters.
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