Growing up and growing your family

Big things are happening in your life.

You’re ready to take some big leaps and take ownership of your finances. We’re here to catch you. By joining YNCU, you’re investing not only in your future but in your community’s - and working with a team who believes in both. Refreshing right?

BUYING A HOME

Buying your first home is a big deal. It’s exciting, but it can also be terrifying. It doesn’t need to be, not only can we help you make your decision - we can help you put the money down with a little neighbourly advice.

Saving for a Down Payment
Let’s set a goal, and get you across the finish line. With budgeting advice and a range of straightforward savings accounts to get you going, you’ll be hosting your house warming before you know it.

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Taking out a Mortgage
Found your dream home? We want to see you in it! With our wide range of locally approved mortgages, we’ll find the right solution for you and your financial situation. After all, YNCU is a member of your community too, and we want all our neighbours to be happy.

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Buying your Home
Buying a home is complicated, and deciding to buy one is no different. You might be asking; should I buy or rent? What can I really afford? How does any of this even work? We get it. You couldn't have started in a better place! We’re here with helpful advice and information to help you make the best decision for your situation.

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INVESTING BEYOND BASICS

Dreaming of financial security? Ready to take the next step but you don’t quite know where to start? That’s where we come in. The world of finance can seem intimidating, but our advisors are here to make it easy.

Term Deposits
The best way to start saving money - that will make you more money. Sounds too good to be true? It gets better. We’ve got one of the widest ranges of investment products around to pick from, and in many cases, your original investment is 100% guaranteed. Financial wizardry, here you come.

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Registered Retirement Savings Plan (RRSP)
It’s never too early to start building your nest egg (with maximum tax benefits). From registered term deposits to mutual funds, stocks, and bonds - RRSPs are perfectly placed to give you a leg up.

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Class A Shares
Set up your investments, and your community, for the long-term. You invest in your credit union and benefit from a premium, floating rate of return and a diverse portfolio. On our end, your investment adds to the capital base so we can all continue to grow and invest back into our communities. Now that’s a win/win. Click here to learn more >

GROWING MY FAMILY

Let us be the first to say congratulations! Whether your new addition is of the human or fur variety things are going to change, and we want to lend a hand. Here you’ll find the help you need to sleep easy (when you have the time) in the years ahead.

Car Loans
Is it time for a minivan? Or maybe just something with a little extra trunk space for all the backpacks and hockey bags? Buying a car is a major investment and a big personal milestone. We’re here to help you weigh the options, and achieve your goal with competitive, personal loans designed around your needs.

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Registered Education Savings Plan (RESP)
A smarter way to save for your kid’s bright future. When you contribute to an RESP the federal government’s Canada Education Savings Grant will match up to 20% of your yearly contributions, to a maximum of $500 annually per child.

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Family Tax Credits
Your new addition changes everything - including your taxes. Between RESPs, childcare, and other tax benefits we can help you navigate your new situation with in-depth information and tax advice.

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We believe buying local and banking local helps us all grow.

You shop locally as much as you can, so why would shopping for a financial partner be any different?

When you sign up with YNCU, you're keeping every dollar you earn in your community - supporting the places where you live and work every day.

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