Reasons To Join
Why join YNCU? We make banking better.
Here are just some of the reasons to join YNCU:
- You own the place – your $10 share makes you a member and an owner!
- You share the profits - When the Board declares a dividend, we pay you!
- You can help run the place - Your share means you can run for the Board and have a say in how we serve our members
- We live and work here – Decisions are made locally, and you’re dealing with someone you know
- We’re where you are – we have branches across southwestern Ontario
- Your deposits are insured - $100,000 insurance from DICO on your total deposits, plus UNLIMITED deposit insurance on your registered plans!
- 24/7 Banking - Visit any branch or choose your favourite self-serve options: ATM, phone, online
- $2,280,500 - We’ve given back more than TWO MILLION DOLLARS in dividends to members since 2005
- We support your community - Every year we donate a portion of our pre-tax profits to charities and local organization
- Over 2,400 ATM locations – Through the Exchange ® Network you can access 1000s of ATMs SURCHARGE-FREE!
- Talk to a CFP for free! - Get free financial planning and investment advice from a professional financial advisor
- Be your own broker - Credential Direct lets you manage your investments yourself
- 1.4 million people do it – More people are learning they can bank the credit union way… 1.4 million people in Ontario alone bank the credit union way!
- We take care of Seniors – Every member is eligible for discounts and lots of free benefits and services after their 59th birthday!
- Award-winning service – In its best banking awards study, research firm Synovate consistently ranks credit unions first for branch service and overall excellence
- It adds up! - With some of the most competitive fees around, your everyday banking makes dollars and sense!
- It adds up… more! - With some of the most competitive rates around, your savings grow faster and your debt is more manageable!
- We’ll build it for you – We can create a custom account to suit your business or organizational needs
- We put your needs first! Our friendly, knowledgeable staff love to help you! Not sure about something? Just ask us!
- Your success is our success – if you're just getting started with your first home, we want to be a part of it. If retirement is in your future, we want to be there for you too.
- Account plans for everyone! Under 18, over 59 or any age in between, we have an account package that fits into your life!
- You can get it all – personal or business banking? Agricultural loans? Financial planning advice and investments? Debit or credit? Mortgage or personal loan? If you need it, we've got it – and at very competitive rates too!
- Kids really count – We'll work with you to help teach little ones the basics.
- Teens get a Headstart – with cheques and a debit card kids, 13 to 18 take the next step in managing their money!
- We’ll always call you by name - because that’s what neighbours do
- We customize it - we'll sit down and customize a retirement/savings/growth plan to match your goals!