ATTENTION MEMBERS: To make your Online Banking experience even more secure, Two-Step Verification is now available and will be mandatory for all members as of November 17th. For more information on how to enrol, review our Two-Step Verification FAQs.
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We’re a straight-talking financial partner who understands the real trials and financial realities of our members' lives today. We’re the kind of partner who would rather use our profits to fuel local growth than let them leave the communities we belong to. We’re the kind of ally that kicks ‘cookie cutter’ solutions to the curb to lay out personalized solutions that actually meet your needs. We’re all about being a good neighbour.

YNCU acknowledges the history of the traditional territory on which it operates. YNCU is headquartered on the traditional territory of the Neutral, Anishinaabeg and Haudenosaunee Peoples as well as on Robinson-Huron Treaty territory, traditional territory of the Anishnaabeg, specifically the Garden River and Batchewana First Nations, as well as Métis People. We recognize our responsibility to serve as stewards for the land and respect and honour the long standing relationships of the original caretakers who came before us.

This land acknowledgement is a small act of reconciliation on behalf of YNCU to our First Nations community members. If you have any suggestions for this land acknowledgment, or for how we can better act as stewards of respect and reconciliation, please click here to use our Feedback form.


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Banking for All

From starting school to starting retirement we have everything you need. 


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We Mean Business

Whether you have a great idea or you are eyeing a major expansion, we can help your business succeed.



A Wealth of Opportunity

No matter your stage in life, managing your wealth is always important. Meet with an advisor today. 




YNCU is dedicated to supporting small businesses in our communities and we want to see you succeed in making your lifelong dreams a reality. We’ve put together a few dos and don’ts to help guide you towards starting a small business.




In July of this year, The Bank of Canada today increased its target for the overnight rate to 5%, with the Bank Rate at 5¼% and the deposit rate at 5%. This comes only weeks after its early June decision to raise it to 4.75%. Today, we'll be talking about this recent rate hike and how it might affect your finances. So, let's dive right in!




Financial literacy (understanding concepts such as budgeting, saving, investing, and understanding credit) is an essential skill that empowers individuals to make informed and responsible financial decisions. Unfortunately, not every Canadian has equal access to financial literacy resources and support, particularly among minority and BIPOC (Black, Indigenous, and People of Color) communities.