Michele Hettrick
Branch Manager
E:  mhettrick@yncu.com

Chantelle Riberdy
Assistant Branch Manager
E: criberdy@yncu.com

Obert Zvorwadza
Assistant Branch Manager
E: ozvorwadza@yncu.com


190 Clair Road East, Unit G6
Guelph, ON N1L 0G6
P:  519-824-2212
F:  519-824-1390

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Guelph 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%
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12-month term, fixed rate, as low as 2.29%

  • All other 12-month term conditions/policies apply
  • Includes Home Warranty Program, FREE for 6 months
  • 75-day Rate Guarantee
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Bring your mortgage to YNCU and we will pay up to $1,000 in mortgage change fees, based on the amount of your mortgage.
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Loan Special as low as 4.99%
Fixed rate, secured, as low as 4.99%

  • Unsecured - 48 months maximum
  • Secured - 60 months maximum
For home renovations, vacations, automobile and recreational vehicle purchases, debt consolidation, and so much more!Save
MeritLine Special
YNCU Prime + 0.50%

Use the equity in your home to access the cash you need, when you need it.
  • Up to 80% LTV
  • Home Warranty Program included


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TFSA or RRSP transfer in offer
A bonus of .50% on GIC Terms

  • Available on 1-5 year posted rates (non-cashable)
  • We'll cover transfer fees up to $75 for deposits of $50,000 or more
  • New money only
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*O.A.C Terms and conditions apply.  Contact the branch for details.