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YNCU Random Acts of Kindness

It looks like you or someone you know has been tagged with a YNCU Random Act of Kindness!

Our generous staff are out in your community passing along small random acts of kindness to commemorate our 75th Anniversary. We encourage you to pass on your own acts of kindness and share your experience with us on social using #YNCUcares.

While you’re here, why not learn more about YNCU?


About Us

For 75 years, YNCU has been providing members of your community with smart financial solutions, quality advice, and exceptional service. We understand the financial realities you’re facing and strive to provide solutions tailored specifically to your evolving needs.

But we’re not just a financial institution. We have deep roots in the communities we operate in. The well-being of our community is at the forefront of everything we do and it’s our goal to see our neighbourhoods thrive. We’re committed to investing our profits back into the communities we serve, through donations and sponsorships, small business support, scholarships and so much more. It’s the credit union difference.


The Credit Union Difference

Credit unions are financial cooperatives, locally owned and controlled by their Members. As a Member-owner, you have a say in how we operate. Our profits are never used to inflate our bottom line but rather distributed to our Members through patronage dividends and invested back into the local economy.

Not only do credit unions offer the same products and services as the big banks, they do it while keeping your money local. One Member’s investment becomes another Member’s loan, because we take care of our own.

Products and Services

Like we said before, we offer competitive rates and comparable products so you can trust you’re receiving the same level of service you would expect from the big guys, but with the added comfort knowing your money is helping your community thrive, not layering the pockets of stakeholders.


From keeping track of your day to day transactions to saving for tomorrow, there's an account that'll help you hit your goals. We keep our accounts straightforward so you know exactly what you're getting without any hidden fees. Click here to view our suite of Chequing Accounts.

When it’s time to save, we’ve got you covered. From flexible, short-term savings to longer term investments that yield high rates, there's an account for you. Click here to view our suite of Savings Accounts.

We can help you grow your worth and build your finances with a variety of investment options. Available for non-registered, registered, TFSA, RSP, and RRIF accounts, your investments are safe and secure with our unlimited deposit insurance through the Financial Services Regulatory Authority of Ontario (FSRA). Click here to view our suite of Deposit products.

Whether you’re buying your first vehicle, remodeling your home, or looking to pay down debt, our borrowing options will give you peace of mind and help you achieve your financial goals. Click here to view our Personal Loan options.

We understand that buying a home is a significant purchase, and our experts are here to make the process as smooth as possible for you. We offer a number of term options with fixed and variable rates so you can find a mortgage that fits your needs. Click here to view our Mortgage options.

When we evaluate a loan, our team will look at the whole picture, not just your bottom line and work to set you up with the best business solution to fit your unique needs. Click here to contact a member of our Business Services team.