Limited Time Offers
2025 0% Balance Transfer Offer
Looking for a better way to manage your credit card debt, but find yourself getting hit with high interest payments every month? Taking a break from interest rates could give you the room you need to get back on track with your financial goals.
Pay 0% on interest for the first 9 months when you transfer your existing credit card balances to a YNCU Credit Card for a one-time transfer fee of 2%.*
- Debt Consolidation: If you have balances on multiple credit cards you can consolidate them onto one credit card, making it easier to manage your payments.
- Pay off Balance Faster: With a 0% interest rate, more of your payment goes to reducing the principal amount, helping you pay off your outstanding balance much faster.
- Save on Interest: Take advantage of the 0% balance transfer rate on your credit union credit card, allowing you to reduce the overall amount that you pay in interest.
This offer is available from January 1, 2025, and expires on June 30, 2025.
Click here to learn more.
*A minimum transfer amount of $500 is required. You can transfer as many balances as your credit card limit allows during the promotional period if each transfer is $500 or more.
2025 Centra Gold Welcome Points
While you’re out there enjoying what life has to offer, be rewarded for the things you buy along the way.
Apply for a Centra Gold now and get up to 2,000 Flex Rewards welcome points! Earn 1,000 points just by making your first purchase and another 1,000 points when you reach $1,500 in qualifying transactions within the first 100 days.
This offer is available from January 1, 2025 and expires on December 31, 2025.
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Youth Credit Card Offer
A good credit score and financial literacy can help you go further in life.
Apply for a credit card now so you can start building your credit score and gain the skills you need to manage money effectively. To get you started, you will receive a $50 statement credit when you activate your card and make your first purchase within 30 days of activation.
This offer is available from January 01, 2025 to December 31, 2025 to cardholders between the ages of 18* to 24 years old.
*18, or the age of majority in your home province.
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New to Canada Offer
We’re here to help guide you on your financial journey so you can thrive in Canada.
Sign up for a new credit card and receive a $50 cash back incentive. With advice on building credit and resources you may need to get started, we’re here to support you through the process.
The $50 cash back offer is available from January 1, 2025 and expires on December 31, 2025.
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