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I want to grow my business

Let’s take your dream to the next level.

If you’re looking at expanding your operations, growing your staff, or taking your business into new territory, partnering with YNCU is a smart first step. You’ll find the financial support you need, but also a full team of business advisors to help you crunch numbers, assess risk, and give you financing options that suit your individual needs.

Become a New Neighbour


A Strong Connection

More than financial solutions. 

Finding a partner who shares your values should be a no-brainer. YNCU is different (and better) than a bank because we’re a small business too. The going’s good here for a lot of reasons:

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Members are owners

Who wouldn’t want to own their own bank? When you join a credit union, you become a shareholder – giving you an equal stake and a seat at the table.

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YNCU is as local as it gets

Since we’re locally owned, we’re constantly investing in the community to support and grow the spaces where we all live, work, and play.

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Real people build real wealth

Since we’re all owners here, everyone shares in strong results and performance. Profits go to rewarding membership, improving products and services, and into local community projects. No greedy executives here.

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We profit with the community

Profit isn’t a dirty word. At YNCU, we care about being financially successful and doing the right thing. We think everyone can win, so we hold strong values that guide how we reinvest and profit with (not from) the community we serve.


Feel Valued

We work harder to get you the financing you need.

Partnering with YNCU means support at every turn. Our advisors get to know you and your business needs so we can optimize the products and services you use. 

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Find the Right Mortgage

Working with our small business members, we’re able to leverage the power of local decision-making to get you the right mortgage and fund the purchase, expansion, or renovations of property to boost your business.

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Explore Your  Leasing Options

Purchasing equipment, making leasehold improvements, borrowing for investments, refinancing or simplifying your debt? Achieve your goals faster with a variety of straightforward business loans.

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Give Yourself Some Credit

Get the day-to-day cash flow your company needs with convenient and easy, predetermined lines of credit.

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The Whole Package

Find the products that work for you.

You know your business best. That’s why we've worked with our local business community to develop our business solutions. It’s why we offer such a wide range of customizable product and service packages, and why we work with you to tailor our packages to your unique business needs. So you can rest easy knowing you’ll always get the right fit and the right advice.

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Straightforward Business Banking

Canadian and American Business Chequing accounts, hard-working higher interest Savings Accounts, and low-cost Organization Accounts. We’ve got it all—and you’ve got access anywhere, anytime.

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Smart Investing to Boost Your Business

Looking for guaranteed returns and competitive interest rates for the whole team? Term Deposits are a definite business investment win, and we’ve got a wide range of investment options available for you to choose from.

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Get a (Financial) Helping Hand

From loans and lines of credit to get you started to mortgages that help you expand, we do lending differently here. By taking into account your character, track record, and business plan, we lend support rather than setting a million stipulations. In short, we keep it personal because you take your business personally.

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Services for Everything Else

Find services to help make your business banking smoother than ever before. We’ve got everything else you need, including Merchant Services, Safety Deposit Boxes, Night Deposits, cheques with high-tech security features, and an easy online ordering system.

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Get Serious Savings

Unlock maximum savings.

Imagine how many resources you’d free up if you combined vendors and shifted away from banks, keeping all your financial operations in one place for optimal efficiency. Spoiler: you’d save tons of time and money.

That’s what we’re doing here. Savings and chequing accounts, credit cards, loans, lines of credit, mortgages, investments and wealth management—we’ve got great financial products at great rates.

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Accelerate Your Business Savings 

Make your money work as hard as you do with a Business Savings Account. There's no monthly plan fee and a higher interest rate whenever your balance is over $5,000.

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Lock in Funds for Higher Returns 

Save and grow your funds with Term Deposits. With 100% principal protection and deposit insurance, Term Deposits are a guaranteed way to increase your capital. Pick the option that serves you best: redeemable, non-redeemable, short or long term.

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Get the Support You Need


Manage your investments online anytime with our hands-on investment partner Qtrade. Or, if you’re looking for some more support and advice, our business advisors are always here to direct you to the right tools and manage your portfolio.

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Access Secure Merchant Services

Save time (and money) with accurate, dependable business services. Our merchant services, powered by Payfirma, have everything you need to step up your game and get where you want to go.

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Meet Advisors

Coaching to realize your full potential.

It’s amazing how easy it is to make tough decisions when you have access to all the answers. Working with our team of business advisors, you’ll get dedicated help planning your next venture, strategies to support and drive your growth, and unparalleled support every step of the way.

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Advisors Who Cut to the Chase

In a banking environment rife with cookie-cutter financial solutions and high-pressure sales tactics, YNCU is one of the few places where you can get honest advice. We’re here to help you do more with your money, and we’re doing more to advance the financial literacy of our members than other types of financial institutions in Canada.

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Fuel Your Growth with Big Picture Thinking 

Risk assessment, growth strategies, real estate advice—we do it all. Take a step back from lending and let YNCU help with big picture growth for your business.

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Find Flexible Lending

You've never seen lending like this.

Since we evaluate businesses at a local level, we’re able to offer flexible lending solutions. You’re more than a number here, so it should come as no surprise that we’ll work with you to help you get the lending support you need to get where you want to go.

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Local Decision Making

Working with our business members, we’re able to leverage the power of local decision-making to understand each business’ unique position in the community and get them the financing they need.

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We Go Beyond Lending

YNCU partners with local businesses to develop new tools, resources and support services aimed at improving every aspect of their operation.

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Become a Member

Talk to a Business Advisor



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