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Access Credit Union GICs
February 14, 2025
5:26 pm
KamWest
Toronto
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Screenshot-94.png

I know we list Hubert on the GIC chart but technically Access beats some of the other listed institutions.

Maybe we should change the listing to Hubert/Access but from what I see I would say the days of Hubert are numbered and it will be a straight change to edit Hubert to Access.

That said they are now at two different rates which technically qualifies to have Access listed.

I just checked out of curiosity, I have pretty much abandoned Access/Hubert due to their mediocre online tools.

February 14, 2025
9:18 pm
Norman1
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Leave Access off.

The two product channels are Access CU and Hubert Financial. The channel for the Access CU branded offerings is only open to Manitoba residents. When one tries to join through the Access CU channel, one is required to confirm the following:

  • I have never been a member of Hubert and/or Access Credit Union.
  • I am a Canadian resident who resides in Manitoba. If you reside outside of Manitoba, please visit https://happysavings.ca/open-an-account to open an account.
  • I am at least 18 years of age.
February 15, 2025
4:57 am
KamWest
Toronto
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1. We list Saven for Ontario so if they have the rates Access should be listed for Manitoba.

2. Thank you @Norman1 for pointing out the Manitoba resident part, I was not aware of that because my Hubert account moved there automatically.

3. I think the Ontario equivalent SAVEN is now open to everyone right?

February 15, 2025
7:41 am
ipro31
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Saven is open to everyone Canada-wide. This is a fairly new update.

February 15, 2025
8:46 am
GIC-Fanatic
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If Access meets the criteria to be listed here as “for Manitoba residents only” then perhaps their rates could be in the HISA and GIC charts.

I too feel that Hubert will be absorbed by Access, and will disappear. If Hubert was considered a money maker by Access then we should have seen, by now, the return of some of the great options that Sunova had for the Hubert customers.

Once we see the Hubert policies, choices, options, rates and fees mirror Access….it’s over.

February 15, 2025
10:10 am
Dean
Valhalla Mountains, British Columbia
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.
We hear ya GIC-Fanatic , but . . .

Hubert CSRs have been telling us for some time now that plans are in-the-works for Hubert to once again have it's own fully-functional website, and would Not be absorbed into Access.

One could speculate that the Hubert CSRs are lying ... But I Highly Doubt It ❗

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

February 15, 2025
10:33 am
CAD
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GIC-Fanatic said
by now, the return of some of the great options that Sunova had for the Hubert customers.  

Management did not have enough meetings so they cannot make informed decision. Wait few more years as they have to form a working group, have 3424452 more meetings, then some of management will retire, new will be hired and then go back to step one: have a meeting...

Obviously Hubert Was well advanced comparing to Access. So since Access own it now, they cannot admit they are Stupid bunch so are trying slowly to kill Hubert.

February 15, 2025
11:27 am
GIC-Fanatic
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@Dean. A couple of weeks ago a CSR volunteered that they are working on, online self serve Hubert GICS. I assumed that would be on the Access system and be based on your login credentials. I guess I should have asked more about it.

@CAD. I would have thought that, with Access and multiple mergers, they would have made a comparative list of features of each CU and then looked at what their current system could handle, then make a list to make improvements to cover, and a list of ain’t gonna happen. What I feel is……improvements have not happened and as time goes by with no communication the ain’t gonna happen list, ain’t.
Over their heads, arrogant, buffoons, or incompetent?

For sure the Sunova version of Hubert was excellent. My crystal ball suggests in a few years, with the young ones that are left, they might come up with the brilliant idea to resurrect the old Hubert software.

February 15, 2025
1:49 pm
Dean
Valhalla Mountains, British Columbia
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GIC-Fanatic said

. . .

For sure the Sunova version of Hubert was excellent. My crystal ball suggests in a few years, with the young ones that are left, they might come up with the brilliant idea to resurrect the old Hubert software.  

Well, that's a thought ❗

Why would they spend all the time, effort & moolah to build a new website for Hubert, when all they'd need to do is flip the On-Switch at the old Hubert website.

A mystery for sure sf-confused

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

February 15, 2025
2:54 pm
KamWest
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Not a mystery... board members get paid for each board they sit on and if there is no work to do then you wont make money. Shut down Hubert, rebuild it from the ground up and the fat cats at the top make the most money.

Look at Meridian and Motus, all the top guys at Meridian are taking massive salaries for Motus and literally driving it into the ground. They wont shut motus down until they have drained the last bit of profit from it.

Most companies that get bought out by private equity companies are the same, they drain the profits, sell the land and assets and leave the debts. The fat cats at the top always make the money, even in bankruptcy.

There is NO reason why they had to dissemble Hubert just to rebuild it. A fat cat can't make money by continuing a profitable motto so disassemble it and you can work for years drawing a salary to rebuild it as a shadow of what it was.

February 15, 2025
5:56 pm
Norman1
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Dean said

Well, that's a thought ❗

Why would they spend all the time, effort & moolah to build a new website for Hubert, when all they'd need to do is flip the On-Switch at the old Hubert website.

That web site was part of Sunova CU's banking system. Sunova CU and its banking system are both gone now.

February 16, 2025
9:43 am
Winnie
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I was told by "old" Hubert CSR, that NO back to fully-functional website and Hubert WILL be absorbed into Access. And 1 year quarterly term will not be offered anymore.
I think, that will happen. I know that CSR for many years.

February 16, 2025
10:16 am
Dean
Valhalla Mountains, British Columbia
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.

    Interesting

.
In the last four or five months, I've had three (3) different Hubert CSRs tell me The Exact Opposite.

Go Figure sf-confused

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

February 16, 2025
10:33 am
Briguy
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Norman1 said
Leave Access off.

The two product channels are Access CU and Hubert Financial. The channel for the Access CU branded offerings is only open to Manitoba residents. When one tries to join through the Access CU channel, one is required to confirm the following:

  • I have never been a member of Hubert and/or Access Credit Union.
  • I am a Canadian resident who resides in Manitoba. If you reside outside of Manitoba, please visit https://happysavings.ca/open-an-account to open an account.
  • I am at least 18 years of age.

  

I'm a grandfathered member of both Access and Hubert. The functionality of Access is much better- you can open up new GICs online without calling in.

Fun fact - If a new member from outside Manitoba wants to join Hubert, they can't if they were previously an Access member. They really don't want dual members like me anymore.

From Hubert membership page:
Welcome
Please click the checkboxes to confirm you have read and understood the declarations listed below.
I confirm that:

I have never been a member of Hubert and/or Access Credit Union.
I am a Canadian resident (Hubert Financial is not currently available to residents of Quebec).
I am at least 18 years of age.
I am not opening this account on behalf of any third party.
I am not a tax resident of a country other than Canada or a US Person.
I am not a politically exposed person or the head of an international organization.
I understand and consent that my information will be used by our trusted partners to verify my identity.

I'm not sure what they mean "not a US person" ? If you are a dual national with USA you can't join Hubert?

February 16, 2025
11:39 am
Winnie
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Dean said:
In the last four or five months, I've had three (3) different Hubert CSRs tell me The Exact Opposite

Also, they relocated 1 year quarterly term to the last spot.

And after each call, that they force customers to make to manage imaginary online banking, Hubert now making call back to that customer and asking to rate that "online banking". That is a "big improvement".

February 16, 2025
12:01 pm
GIC-Fanatic
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@winnie

Also, they relocated 1 year quarterly term to the last spot.

It’s still there though. And logically placed to avoid confusion to the new non quarterly 1 year GIC.

And after each call, that they force customers to make to manage imaginary online banking, Hubert now making call back to that customer and asking to rate that "online banking". That is a "big improvement".

Force? Any one asking you to do a survey that knows your phone number or email address that ties you to your bank account is definitely not anonymous and they could categorize you as many banks do. And surveys……don’t think they are going to improve or change based on your rating or comments. Surveys are often twisted to always have the surveyor come out smelling like roses only to pat themselves on their back….referring to customer feedback. And will be used to support “take away” changes.

Oaken asks for surveys….stay on the call once conversation with CSR is over. Never done it. Vancity sends out an email every couple of months. Did once…am sure I got categorized based on the tone of my next person to person visit. And those visits rare.

I tend to stay away from any survey be it a good or bad response.

February 16, 2025
1:28 pm
HermanH
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GIC-Fanatic said
And surveys……don’t think they are going to improve or change based on your rating or comments. Surveys are often twisted to always have the surveyor come out smelling like roses only to pat themselves on their back….referring to customer feedback. And will be used to support “take away” changes.

I agree that most surveys and polls are written in a specific way to elicit a particular answer in order to validate the pre-determined opinion of the pollster.

February 16, 2025
2:07 pm
Winnie
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GIC-Fanatic said
Force?

I mean they force you to make a call to use that fantastic imaginary online banking, they implemented after joining Access a few years ago.

A survey is optional, but they started to call customers, which is annoying.
I don't like, when banks or any other company call me AFTER, when I was forced to call them to do things, that supposed to be available online, as before, when it was Happy Hubert.

Any survey option should be provided at the end of that original forced call.
Calling a few hours later is not acceptable in my opinion.

February 16, 2025
3:22 pm
GIC-Fanatic
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I mean they force you to make a call to use that fantastic imaginary online banking, they implemented after joining Access a few years ago.

Ahhh thanks for being clearer.

A survey is optional, but they started to call customers, which is annoying.
I don't like, when banks or any other company call me AFTER, when I was forced to call them to do things, that supposed to be available online, as before, when it was Happy Hubert.

Yes a callback for a survey is obnoxious. Especially for every call that you make to them. And who knows if the customer is the one that answers the survey call back? And more so….the old Hubert had it all when they added the ability to give maturity directions vs a call. And I agree as banks traditionally have never called their customers.

Any survey option should be provided at the end of that original forced call.
Calling a few hours later is not acceptable in my opinion.  

What is the point of a call back survey for every call made to them? There’s gotta be a “hot” reason to do so. And the old Hubert used to use an online survey every now and then that you were invited to participate in.

February 16, 2025
6:48 pm
HermanH
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GIC-Fanatic said
A survey is optional, but they started to call customers, which is annoying.
I don't like, when banks or any other company call me AFTER, when I was forced to call them to do things, that supposed to be available online, as before, when it was Happy Hubert.

I can sympathize with you, regarding how annoying solicitation calls from banks can be. However, I think that I would prefer a bank employee (not AI) call me for my opinion. I have never filled out their automated feedback response surveys, because I felt that, if they can't be bothered to waste a single second for a human to talk with me, I can't be bothered to waste my time to tell them their failings.

And, if they really wanted to learn my disgust about their service, they can have a human manager call me. THEN, I'd be happy to point out all their short-comings in exact detail. YMMV

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