What Is A Credit Union?

YNCU: Community Banking with a Difference

A credit union is a financial co-operative, serving member-owners. Unlike some financial institutions, our volunteer Board of Directors are member-owners, who work in the best interest of other fellow member-owners. Without shareholders to pay, profits are returned to the members in the form of improved service levels, technology enhancements, dividends, new product and service delivery channels, lower loan rates, low or no-fee products and services, and higher savings rates. At a bank, the only people who benefit from profits are the investors.

Locally owned and operated, Your Neighbourhood Credit Union is more responsive, more committed and more in tune with your needs, as well as the needs of our community. As a result, we are committed to supporting worthwhile causes that have a positive impact on your neighbourhood. In fact, we invest a minimum percentage of our before-tax profits into the community each year. (Learn more in our "Community" Section).


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