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Water dripping into a bucket and on to the floor inside of an apartment.

If you’re purchasing your first home, looking to buy a new property, or thinking about moving your mortgage, we want you to be ready for anything.

We know that home-buying often comes with unplanned expenses, so for a limited time, get a $1,000 cash deposit into a YNCU Emergency Savings Account** when you open a qualifying mortgage. The Emergency Savings Account pays a higher rate than our traditional savings accounts to encourage you to hold your funds there longer so that the money is available in case of an emergency.

So if the A/C quits on the hottest day of the year, or the rain comes dripping through the ceiling, rest easy knowing you have a head start on covering those repair costs.


Expect the unexpected

Open a qualifying mortgage and receive $1,000 towards your emergency savings.
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Qualifying Featured Mortgages

  • Switch Mortgages: Insured or insurable

  • Purchase Mortgages: Insured or insurable

  • First-Time Homebuyer Mortgages: Insured, insurable, and conventional

Take advantage of rates as low as


Simple Conditions:

  1. Open a YNCU Emergency Savings Account.

  2. Switch Payroll to a YNCU Account – the YNCU Home Free Chequing Account is a premium chequing account package with no monthly fees for YNCU mortgage holders.

  3. For Self-Employed Members Only: Set up two Pre-Authorized Bill Payments from a YNCU account.

Upon approval and mortgage advances with YNCU, members will receive a one-time $1,000 cash deposit in their Emergency Savings Account.

*Terms and conditions apply. Subject to credit and other approvals. $1000 cash deposit to be made into a YNCU Emergency Savings Account in the mortgage holder's name following the opening of a qualifying mortgage. Payroll deposit to YNCU required. 4.99% is available on 5-year insured mortgages. Alternate rates and terms available. This is a limited time offer. YNCU reserves the right to modify or withdraw the offer at any time. Contact YNCU for details.

**Emergency Savings Account Rate is subject to change at any time without notice. One Emergency Savings Account permitted per member. The maximum amount that can be saved in the Emergency Savings Account is $15,000.