Redeemable Term Deposits

Access your money when you need it with a redeemable term deposit. With a slightly lower rate of return than non-redeemable term deposits, this option gives you flexible access to your funds.

Non-Redeemable Term Deposits

Gain a higher rate of return with a non-redeemable term deposit, which does not allow access to your money prior to maturity of the term. You'll earn a competitive interest rate for the entire term and a guaranteed return on your principal investment.

Long Term Deposits

A long-term deposit gives you the opportunity to increase your savings over a defined period of time, with the security of knowing your principal is protected.

YNCU offers both redeemable and non-redeemable long term deposits.

Rate: Enjoy the security of a guaranteed rate.

Term: 1 to 5 year terms available.

To simplify the renewal process, this investment will automatically renew into the same investment at the posted rate.

Interest & Principal Guaranteed: Guaranteed growth and 100% principal protection.

Interest: Interest can be paid annually, or at maturity.

Minimum Deposit: Minimum $1000 deposit required.

Step Up Deposits

A Step Up Term Deposit is a great option for growing your money at an escalating rate, with the security of knowing your principal is protected.

Rate: Enjoy earning a higher interest rate year after year. Rate subject to change at any time. Promoted rates are offered for a limited time only.

Term: 3 year terms available.

To simplify the renewal process, this investment will automatically renew into the same investment at the posted rate.

Interest & Principal Guaranteed: Guaranteed growth and 100% principal protection.

Interest: Interest can be paid annually, or at maturity.

Minimum Deposit: Minimum $1000 deposit is required.

Monthly Pay GIC

If you’re looking for a safe, secure, and guaranteed investment that pays you regularly (rather than at maturity), consider our monthly interest Guaranteed Investment Certificate (GIC).

Rate: Tiered interest rates begin at balances of $20,000 or more, offering you the opportunity to earn more as your balances grow.

Term: 1 - 5 year terms available.

To simplify the renewal process, this investment will automatically renew into the same investment at the posted rate.

Interest and Principal Guaranteed: Guaranteed growth and 100% principal protection.

Interest: Interest is paid monthly.

​Minimum Deposit: Minimum $1000 deposit required.

Pay Yourself GIC

Building your savings is easier when you have a plan in place. The YNCU Pay Yourself Guaranteed Investment Certificate (GIC) brings you one step closer to reaching your financial goals by creating a monthly savings plan that's simple to set up and easy to use.

Rate: You'll benefit from the security of a guaranteed rate for the duration of your term.

Term: 1 year term available. 

To simplify the renewal process, this investment will automatically renew into the same investment at the posted rate.

Interest & Principal Guaranteed: Guaranteed growth and 100% principal protection.

Interest: Interest paid at maturity.

No Minimum Deposit: No minimum monthly preauthorization contribution (PAC) is required.

It's up to you. Choose the dollar amount that is right for you!

No minimum monthly preauthorization contribution (PAC) is required.

1 Year Cashable GIC

Do you have a short-term goal or know that you'll need access to your savings? A short-term deposit could be the answer. The YNCU 1 Year Cashable GIC gives you peace of mind by guaranteeing your principal and rate of return. YNCU offers redeemable short-term deposits.

Rate: Rate is guaranteed for the entire term, unless redeemed prior to maturity.

Term: 1 Year Redeemable.

To simplify the renewal process, this investment will automatically renew into the same investment at the posted rate.

Interest & Principal Guaranteed: Guaranteed growth and 100% principal protection.

Interest: Interest is paid at maturity.

Minimum Deposit: Minimum $1000 deposit is required.

Market-Linked GIC

Market-Linked GICs are a unique investment option where returns are linked to the performance of the stock market. The performance in the stock market or sector to which the GIC is “linked” determines the rate of return, but the principal investment is always secured and guaranteed.

Feature Product:

3 and 5 year terms available through Responsible Investments.
Your investment will be automatically reinvested in a similar product with comparable terms and conditions.

Capital Guaranteed

Capital 100% guaranteed at maturity

Return

Return on the investment is based on the appreciation of the benchmark securities and can only be known at maturity. Return could be nil at maturity.

Minimum Deposit

Minimum $1000 deposit required.