Tools you can use!
Can't make it into your branch? We've built these cool tools so you can plan, track, check and do. We're connected to you, whenever and wherever you want!
 Bring sexy back to budgeting! MOOla is now in the iPhone App store! – Visit the app store and download it for FREE, set your budget and track your spending. Where does your money go? MOOla will show you!
What's MOOla? Learn more here!
 My Money Challenge – Commit to a goal (saving or paying down debt), track your progress, learn practical money tips, and connect with friends on Facebook to stay motivated.
Need more info about My Money Challenge? Learn more here!
 Net Worth Calculator – The "high tech" version! Having a financial plan isn't just about future goals. It's also about understanding where you're really at today. Knowing the difference between what you own and what you owe is the first step in creating a plan. Our easy to use Net Worth Calculator will help you understand this difference so that you can make the best decisions about your financial future. In just 5 easy (secure and anonymous) steps you'll know where you stand and what you can do about it. Get started now!
 Cashflow Budgetting Tool -
The "low tech" version! Do you have a handle on where your money is coming from and where it's
going? Are your financial goals achievable, and do you know how to get
there? Download our Budgeting Tool (pdf or excel) and get a better
picture where you are now, and where you can be in the future. When
you're ready, we're here to help ... just bring in your completed goal
planner to a branch near you and we'll get started together!
 The Online Loan Application – Can’t make it into your branch? Fill out an application online, and your branch will call you! Our 4-step application is simple, straightforward and very secure. In less than 15 minutes, you can complete this easy process. Choose your loan type, calculate your payments and even save your application to complete later. It's available 24 hours a day, 7 days a week. Apply online now!
 YNCU ATM Finder - Do you have a smartphone? YNCU ATM Locator app is now available for your Blackberry, iPhone or Android smartphone. The apps are free! Just search for "YNCU ATM locator" in the list of available apps in the app store or click the following:
The YNCU ATM Finder will help you find a Your Neighbourhood Credit Union ATM nearest you. You can locate any credit union or bank ATM belonging to THE EXCHANGE® ATM Network within Canada. Wherever THE EXCHANGE® logo is present you can withdraw cash, perform balance inquiries, make deposits, and transfer funds - with no additional surcharges.
ATMs allow cash withdrawals, and the YNCU ATM Finder indicates:
- if deposits are accepted
- if PIN changes are available for chip cards
- available languages
- hours of operation
- whether or not the ATM is a drive-thru
Life Events Calculators
Access 31 interactive calculators and dynamic reports to help you assess your current financial situation and plan for any future goals and events - from evaluating education savings and retirement needs to calculating lease and mortgage payments. These calculators are provided through our partner organization, CUMIS, and you will be directed to an external link.
- YOUR HOME
It's one of life's big decisions! Use these tools to show you how much you can afford, compare mortgage terms, review refinance options, save on interest payments and more! Go to calculators.
- AUTO FINANCING
Should you buy or should you lease? New or used? Luxury or something more practical? It will depend on your budget and lifestyle. Find out what type of vehicle you can afford. Go to calculators.
- FAMILY & FINANCIAL SECURITY
Getting married? Having children? Preparing for life's unexpected events? With any significant change comes the need to re-examine your financial situation. Find out how to maintain your family's financial security. Go to calculators.
- LEISURE
Maintaining balance in our busy lives is important to us all. Use these calculators to help you plan for a family vacation or save for a major purchase. Go to calculators.
- RETIREMENT
You deserve the good life when work is done ... but you'll need a plan to make it happen. See what you'll need to make financial freedom your reality. Go to calculators.
Financial Consumer Agency of Canada (www.fcac-acfca.g.ca) The Financial Consumer Agency of Canada (FCAC) is an independent body working to protect and inform consumers of financial products and services. Available on this website are tools, calculators, publications and more about banking, budgeting & money management, fraud, insurance, mortgages and loans, credit cards, savings & investments and more!
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