We have a BETTER idea.

It’s time to take your money out from under the mattress. When you invest with YNCU, we make sure your money is working for you, not hiding out with no return. With rates as high as 1.50%* on a 22 month term, you know you’re putting your money in the right place for the right amount of time.



$1,000 - $19,999


$20,000 - $99,999


$100,000 +


Key Features

  • Competitive rates on a short term

  • Available for non-registered, TFSA, RSP, and RRIF accounts

  • Fixed interest rate for the duration of your term

  • Higher rates than redeemable investment or savings account options

  • Insured through the Financial Services Regulatory Authority of Ontario (FSRA)

Why Invest With YNCU

Supporting Your Community

By keeping your money local, your deposits turn into investment and loan opportunities for local residents and small businesses in the communities we serve.

Competitive Rates

Secure a great rate and start earning from day one.

Investing Done Right

A variety of terms and options to suit short and long-term investment needs.

Safe & Secure

Unlimited Deposit Insurance for Registered Investment Plans through the Financial Services Regulatory Authority of Ontario (FSRA).

*Terms and conditions apply. Rates are subject to change at any time without notice. Contact your branch for details.

Deposits backed by FSRA's Deposit Insurance Reserve Fund (DIRF). Eligible non-registered deposits are insured up to $250,000 (Principal & Interest) per depositor. Registered deposits have unlimited insurance protection. Visit fsrao.ca to learn more.