welcome to the neighbourhood

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.

what can we help you with
Personal Banking
Business Banking
Wealth Management

YNCU joins Regional Sustainability Initiative as an Observing Organization

February 14, 2022 - YNCU has joined Sustainable Waterloo Region's (SWR) Regional Sustainability Initiative as an Observing Organization. As a member, YNCU gains access to an extensive member network of organizations that share and learn sustainability best practices. Read More >

How To Manage Your Money While In School

April 22, 2022  Going to college or university is an exciting new venture. For many young adults, this means living on their own for the first time, making new friends and maybe learning to balance school and a part-time job for the first time. With a number of new responsibilities to worry about, managing one’s finances might not seem possible on such a tight budget. But by planning ahead, you can avoid running into financial setbacks down the road and set yourself up for financial success in the future. So why not start now? Read More >


With the YNCU Mobile App you can:

  • Check your account balances and account activity
  • Pay bills
  • Transfer money between accounts
  • Manage scheduled payments and transfers
  • Check the latest interest rates
  • Send or receive an Interac® e-Transfer, or add a recipient
  • Find your closest branch or ATM
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