You’re ready to take some big leaps and take ownership of your finances. We’re here to catch you. With YNCU, you’re investing not only in your future but also in your community’s. Best of all, you'll be working with a team who believes in both.
Buying your first home is a big deal. It’s exciting, but it can also be terrifying. It doesn’t need to be. Get some help with your decision and discover how you become a buyer with a little neighbourly advice.
Saving for a Down Payment
Let’s set a goal and get you across the finish line. With budgeting advice and a range of straightforward savings accounts to get you going, you’ll be hosting your housewarming before you know it.
Taking out a Mortgage
Found your dream home? Discover how to make it a reality. With our wide range of locally approved mortgages, we’ll find the right solution for your financial situation.
Buying your Home
Buying a home is complicated, and can be confusing. You might be asking; should I buy or rent? What can I really afford? How does any of this even work? We get it. Our team is here to help. Contact an advisor to get the information you need to make the right decision for your situation.
Dreaming of financial security? If you're ready to take the next step but you don’t quite know how to start, you've come to the right place. The world of finance can seem intimidating, but our advisors are here to make it easy.
Save Smarter with Term Deposits
The best way to start saving money that will make you more money. Sound too good to be true? It gets better. You can choose from one of the widest ranges of investment products around, and in many cases, your original investment is 100% guaranteed. Financial wizardry, here you come.
Turbo Boost Your Registered Retirement Savings Plan (RRSP)
It’s never too early to start building your nest egg. An RRSP is a simple way to start, and offers maximum tax benefits. From registered term deposits to mutual funds, stocks, and bonds, RRSPs are perfectly placed to give you a leg up.
Be Part of the Neighbourhood with YNCU Class A Shares
Set up your investments, and your community, for the long-term. You invest in your credit union and benefit from a premium, floating rate of return and a diverse portfolio. On our end, your investment adds to the capital base so we can all continue to grow and invest back into our communities. Now that’s a win-win.
Let us be the first to say congratulations! Whether your new addition is of the human or fur variety, things are about to change. Here you’ll find the help you need to sleep easy (when you have the time) in the years ahead.
Hit the Road with the Right Car
Is it time for a minivan? Or maybe just something with a little extra trunk space for all the backpacks and hockey bags? Buying a car is a major investment and a big personal milestone. We’re here to help you weigh the options and achieve your goal with competitive, personal loans designed around your needs.
Start a Registered Education Savings Plan (RESP)
A smarter way to save for your kid’s bright future. When you contribute to an RESP, the federal government’s Canada Education Savings Grant will match up to 20% of your yearly contributions to a maximum of $500 annually per child.
Your Guide to Family Tax Credits
Your new addition changes everything—including your taxes. Between RESPs, childcare, and other tax benefits, we can help you navigate your new situation with in-depth information and tax advice.
There’s no place like home—but finding the right abode isn't always easy. From mortgages and down payments to renovations and refinancing, consider every financial aspect before purchasing a property.
Starting a family is a huge milestone that will change your world forever. But having a baby doesn’t have to be financially draining. Plan ahead with these tips for new moms and dads.