A Guaranteed Investment Certificate (GIC) is a safe and secure investment option available for Canadians through banks and credit unions, like YNCU. They offer 100% principal protection with the potential to earn interest over the course of the investment term. GICs are ideal if you want a low-risk, reliable way to grow your money.
New Money. Guaranteed Growth.
Looking for a smart, secure way to grow your savings? With our limited-time 4.00% 6-month GIC, your investment works harder—risk-free. Available exclusively on new deposits, this offer is the perfect way to boost your short-term savings with guaranteed returns.
Why Choose This GIC?
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At YNCU, your goals come first. Whether you’re saving for a getaway, building an emergency fund, or just want your money to do more, this GIC helps you get there—without the risk.
Don't miss this limited time offer.
Start earning 4.00%* today!
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Why Choose YNCU?
We’re a Credit Union. That Means You Come First.
We’re not here for shareholders. We’re here for you.
YNCU is proudly local — rooted in Ontario communities and powered by people who care about your financial well-being. Every decision we make starts with one question: “Does this help our members thrive?”
Frequently Asked Questions
What is a GIC?
Is my investment protected?
Yes - when you invest in a GIC with YNCU, your funds are protected by the Financial Services Regulary Authority (FSRA). Through FSRA, eligible GICs in registered accounts (RSP, RIF, TFSA) have unlimited coverage and eligible GICs in non-registered accounts are insured up to $250,000.
What are the benefits of a GIC?
GICs provide several key advantages, such as:
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Guaranteed returns - you warn a fixed or variable rate of interest, and your original investment is 100% protected.
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Low risk - considered one of the safest investment options available, GICs aren't tied to market performance, so you don't have to worry about fluctuations affecting your investment.
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Deposit insurance protection - eligible GICs are insured by the Financial Services Regulatory Authority (FSRA).
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Flexible options - choose a term that suits your goals - from 30 days to 5 years or more. Short-term GICs are great for upcoming expenses, while long-term GICs help you plan for the future.
Grow your money faster with a GIC from YNCU.
Ready to get started?
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*Terms and conditions apply. 4% offered on new money to YNCU in a 6-month term with a minimum of $1,000 deposit. This is a limited time offer. Rates can change at any time. Contact YNCU for details.
2024 Your Neighbourhood Credit Union Limited. All rights reserved.
Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .
