Your investment choices

YNCU offers a full line of investment products to help you start reaching your financial goals and match your investment style. Our GICs and term deposits offer very competitive rates, you can tap the stock market potential while preserving your principal through index-linked deposits, and even trade online.

  • Guaranteed Investment Certificates (GICs), or Term Deposits, offer a predictable return and security against the possibility of falling interest rates
  • Monthly income options are available on some GICs
  • Index-Linked Term Deposits combine the security of a GIC with the potential for higher return based on the performance of the stock market
  • A Variable Rate Cash Account provides a place to "park" smaller deposits if you're undecided about a fixed term investment vehicle for your RSP, RIF or TFSA.
  • Mutual Funds are offered through our wealth services partner, Credential Asset Management Inc.

Wealth Management

YNCU has partnered with Credential Financial Inc.® to provide you, our Member, with free professional wealth management services.  Through Credential we offer a variety of protection and investment plans that complement the traditional savings programs offered by YNCU, including mutual funds and online trading.

Credential® Financial Inc. is a dynamic part of the cooperative system. Operating across Canada, and servicing both the credit union and caisse populaire markets, Credential delivers the full spectrum of wealth management services, from estate planning to education funding and retirement planning. Today, over 1.4 million members have access to the Credential program nationally.

Credential Financial Inc. and its affiliates offer financial planning and investments to members of credit unions and their communities.  ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence.

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GIC SPECIAL 1-YEAR up to 2.20%*

*APR. On $100,000 deposit for 1 year. Tiered rates for $1,000 and $20,000 deposits