Tony Monterosso, Branch Manager Erb Street Waterloo

Tony Monterosso
Branch Manager, Erb Street Branch

655 Erb Street West
(at Ira Needles Blvd)
Waterloo, ON N2J 3Z4
P:  519-804-9040 Ext. 371
E:  tmonterosso@yncu.com

Bernadette Coicici
Assistant Branch Manager
Ext. 372
bcoicici@yncu.com


Do you know that YNCU offers very competitive business banking solutions? We can potentially save you money in monthly charges with a business banking account that’s right for you. Also, we can offer great GIC rates and savings account rates for that extra business money you may have! Call Bernadette Coicici today to discuss.

Erb Street Branch

Three Investment Options with GREAT RATES!



Whether you're looking for a short term or a longer term for your investments, we've got THREE great options with the best rates to make your money work harder for you.

Invest for 15 months or 25 months

Watch your RRSP, RRIF, TFSA or non-registered investment grow in just 15 or 25 months with these limited time special offers! 

Start with a deposit of just $1,000 and earn 2.2% per annum for 15 months, or earn up to 2.5% per annum on $100,000 or more over 25 months.

GICSpecial (Rates effective 2017-11-20) Rates
15 months: $1,000-19,999 2.20%
15 months: $20,000-99,999 2.25%
15 months: $100,000 and over 2.30%
25 months: $1,000-19,999 2.40%
25 months: $20,000-99,999 2.45%
25 months: $100,000 and over 2.50%

Step-up GIC... the longer you leave it, the better it gets!

Enjoy the benefit of a higher rate on a three year term.  A great addition to your RRSP, TFSA or non-registered plan, with the flexibility to redeem annually on the anniversary date (no partial redemptions).  Minimum deposit $1,000.

Step Up GIC: Escalating rate, 3 year term (Rates effective 2017-11-20) Rates
1st year 1.60%
2nd Year 2.35%
3rd Year 3.35%
Average Yield 2.43%

Special Offers

Current promotions


Click on any tab to learn more about our current promotions.

Don't miss out on our special offers!  Subscribe to our e-mail newsletter and never miss the news!


SAVINGS & INVESTMENTS

Three Investment Options with GREAT RATES!



Whether you're looking for a short term or a longer term for your investments, we've got THREE great options with the best rates to make your money work harder for you.

Invest for 15 months or 25 months

Watch your RRSP, RRIF, TFSA or non-registered investment grow in just 15 or 25 months with these limited time special offers! 

Start with a deposit of just $1,000 and earn 2.2% per annum for 15 months, or earn up to 2.5% per annum on $100,000 or more over 25 months.

GICSpecial (Rates effective 2017-11-20) Rates
15 months: $1,000-19,999 2.20%
15 months: $20,000-99,999 2.25%
15 months: $100,000 and over 2.30%
25 months: $1,000-19,999 2.40%
25 months: $20,000-99,999 2.45%
25 months: $100,000 and over 2.50%

Step-up GIC... the longer you leave it, the better it gets!

Enjoy the benefit of a higher rate on a three year term.  A great addition to your RRSP, TFSA or non-registered plan, with the flexibility to redeem annually on the anniversary date (no partial redemptions).  Minimum deposit $1,000.

Step Up GIC: Escalating rate, 3 year term (Rates effective 2017-11-20) Rates
1st year 1.60%
2nd Year 2.35%
3rd Year 3.35%
Average Yield 2.43%

MORTGAGE

We don't currently have any mortgage promotions, but we do have competitive rates! Subscribe to our newsletter and you'll be the first know ... and you'll never miss a special!

Buying a home is probably the biggest purchase you'll make, and we can make it a little easier with a variety of mortgage options. And every YNCU residential mortgage includes FREE chequing!  Talk to us today!

Buying a home?



We make it easy with the Homebuyers' Bundle

Simplify the homebuying process with our Home Buyers’ Bundle which includes helpful lists, tips and tools. Here are some perks of a YNCU mortgage included in the Home Buyers' Bundle:

  • A Free Chequing Account (included with every residential mortgage).
  • Credit Union Home Warranty Plan
  • Bonus Choice Rewards Points
  • PLUS the Home Buyers' Guide - an inspirational go-to guide for all of the information needed when purchasing a home.  Download your free copy today!

    Click for more details.

    LOANS


    Pick the Loan for You!
     

    We have the right loan at the right rate to take care of anything on your wish list. Whether it be home renovations, recreational vehicles, a new car, a special vacation or even debt consolidation – with rates as low as 4.99%, you really can’t go wrong.  Our special offer rates are available for a limited time, so apply today!

    Rates & Repayment Term

    Repayment terms of 12 to 60 months.

    Fixed Rate Secured Unsecured
    $2,500 - $10,000 5.99% 6.99%
    Over 10,000 4.99% 5.99%

    Variable Rate Secured Unsecured
    $2,500 - $10,000 Prime + 3.15% Prime + 4.15%
    Over $10,000 Prime + 2.15% Prime + 3.15%

    Loan rates based on approved credit.



    Annual Percentage Rates (APR) range from 4.99% to 21.0% and will be based on your credit qualifications, whether secured or unsecured, and amount borrowed.  All loans are subject to underwriting approval.  Application fees of $50 apply. Secured loans are subject to registration fee of $25 per year of the loan term.

    Repayment example: on a fixed-rate, unsecured 5-year personal loan in the amount of $10,000 at 6.99% the monthly payment would be $197.96 per month. Total interest over the term would be $1,877.96. Total cost of the loan including application fee would be $1,927.96.