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Rates

You work hard for your money. So do our rates.

Explore our competitive rates across a range of financial products, or contact a YNCU wealth expert for more information.

 
List of rates for PRIME RATE
PRIME RATE Rate
YNCU Prime
7.20
CF Prime (legacy prime not applicable to new credit)
8.20
 

1 Year GIC

Rates as high as

4.75%

18-Month GIC

Min. deposit of $1,000

5.00%

5 Year Insured Mortgage

Rates as low as

4.99%
 
 

Foreign Exchange

Travelling soon? Explore our competitive foreign exchange rates. 

Other foreign currencies are available for purchase. Please contact your branch two (2) business days in advance to place your order.

 
List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
US Cash - $0-100,000
1.4069
1.3469
 

NOTE: Foreign exchange rates change with market fluctuation. Please contact your branch for up-to-date information.

*Buying = member pays Canadian. Selling = member receives Canadian

 

Savings Accounts

Choose from savings accounts for the everyday, all the way up to more unique investments like our Combination Savings account and more. Enjoy great rates and above all, the comfort of knowing your money is always growing. It’s a nice feeling.

Interest is calculated daily and paid monthly for all YNCU Savings Accounts.
 
First Home Savings Account Special
List of rates for Variable Rate Savings Account
Variable Rate Savings Account Rate
Up to $8,000
5.00%
*5% promotional rate on a First Home Savings Account is earned from November 6th, 2023, until June 30th, 2024. Effective July 1st, 2024, the promotional rate will be adjusted. Available to YNCU members with a First Home Savings Account (FHSA) only. Alternate rates available. Terms and conditions apply. See account agreement. Rates subject to change at any time. Contact YNCU for details.
List of rates for Simply Everyday Savings
Simply Everyday Savings Rate
All balances
0.50%
List of rates for High Interest Savings Account
High Interest Savings Account Rate
Up to $4,999
0.10%
$5,000 and over
2.15%
List of rates for Emergency Savings Account
Emergency Savings Account Rate
Up to $15,000
3.00%
List of rates for Combination Savings Account
Combination Savings Account Rate
Up to $4,999
0.05%
$5,000 - 99,999
2.60%
$100,000 - 249,999
2.70%
$250,000 - 499,999
2.80%
$500,000 and over
2.90%
 

Term Deposits

Saving doesn't have to be complicated. Whether you're squirrelling away cash for a rainy day or have a clear goal in mind, build your savings wisely with our range of Term Deposits.

 
 

Limited Time Offers

List of rates for 18-Month GIC
18-Month GIC Rate
Min. deposit of $1,000
5.00%
*Terms and conditions apply. Minimum deposit of $1,000 required. Rates can change at any time. Contact YNCU for details.
 
List of rates for 1 YEAR DEPOSIT - REDEEMABLE AFTER 30 DAYS
1 YEAR DEPOSIT - REDEEMABLE AFTER 30 DAYS Rate
Deposit of $1,000-19,999
2.65%
Deposit of $20,000-99,999
2.70%
Deposit of $100,000 +
2.75%
 
List of rates for LONG TERM DEPOSITS
LONG TERM DEPOSITS Rate
1 Year: $1,000-19,999
4.65%
1 Year: $20,000-99,999
4.70%
1 Year: $100,000 and over
4.75%
2 years: $1,000-19,999
4.35%
2 years: $20,000-99,999
4.40%
2 years: $100,000 and over
4.45%
3 Years: $1,000-19,999
4.15%
3 Years: $20,000-99,999
4.20%
3 Years: $100,000 and over
4.25%
4 Years: $1,000-19,999
4.15%
4 Years: $20,000-99,999
4.20%
4 Years: $100,000 and over
4.25%
5 Years: $1,000-19,999
4.15%
5 Years: $20,000-99,999
4.20%
5 Years: $100,000 and over
4.25%
 
List of rates for PAY YOURSELF FIRST GIC
PAY YOURSELF FIRST GIC Rate
1 Year
3.00%
 
List of rates for STEP UP GIC - ESCALATING RATE, 3 YEAR
STEP UP GIC - ESCALATING RATE, 3 YEAR Rate
1st Year
4.25%
2nd Year
4.30%
3rd Year
4.50%
Average Yield
4.35%
List of rates for STEP UP GIC - ESCALATING RATE, 5 YEAR
STEP UP GIC - ESCALATING RATE, 5 YEAR Rate
1st Year
3.55%
2nd Year
4.20%
3rd Year
4.40%
4th Year
4.50%
5th Year
4.60%
Average Yield
4.25%
 
List of rates for MARKET-LINKED GIC - GREEN NEIGHBOURHOODS*
MARKET-LINKED GIC - GREEN NEIGHBOURHOODS* Rate
3 Years - Maximum Annual Compound Rate
8.58%
3 Years - Maximum Cumulative Return
28.00%
5 Years - Maximum Annual Compound Rate
8.45%
5 Years - Maximum Cumulative Return
50.00%

*Actual rates of return may vary. Up to the issue date, your investment generates interest at a max annual compound rate of return of 8.58% (3 Year Term) and 8.45% (5 Year Term). Between the issue date and the maturity date, the return is based on variations in the benchmark prices, up to a maximum cumulative return of 28.00% at the end of a 3 Year Term and 50.00% at the end of a 5 Year Term.

 
List of rates for MARKET-LINKED GIC - DIVERSITY SERIES**
MARKET-LINKED GIC - DIVERSITY SERIES** Rate
3 Years - Maximum Annual Compound Rate
10.52%
3 Years - Maximum Cumulative Return
35.00%
5 Years - Maximum Annual Compound Rate
10.93%
5 Years - Maximum Cumulative Return
68.00%

**Actual rates of return may vary. Up to the issue date, your investment generates interest at a max annual compound rate of return of 10.52% (3 Year Term) and 10.93% (5 Year Term). Between the issue date and the maturity date, the return is based on variations in the benchmark prices, up to a maximum cumulative return of 35.00% at the end of a 3 Year Term and 68.00% at the end of a 5 Year Term. 

 

RRSPs and TFSAs

Invest in your future and take advantage of the tax benefits associated with registered funds. Compare your options for a Registered Retirement Savings Plan (RRSP) or Tax Free Savings Account (TFSA).

 
List of rates for LONG TERM DEPOSITS
LONG TERM DEPOSITS Rate
1 Year: $1,000-19,999
4.65%
1 Year: $20,000-99,999
4.70%
1 Year: $100,000 and over
4.75%
2 years: $1,000-19,999
4.35%
2 years: $20,000-99,999
4.40%
2 years: $100,000 and over
4.45%
3 Years: $1,000-19,999
4.15%
3 Years: $20,000-99,999
4.20%
3 Years: $100,000 and over
4.25%
4 Years: $1,000-19,999
4.15%
4 Years: $20,000-99,999
4.20%
4 Years: $100,000 and over
4.25%
5 Years: $1,000-19,999
4.15%
5 Years: $20,000-99,999
4.20%
5 Years: $100,000 and over
4.25%
 

Mortgages - Residential

Finding the right mortgage isn't just about getting a great rate. You also need a solution that offers you the flexibility to achieve your financial goals. 

*Some conditions apply - see branch for more details.

 
 

Limited Time Offers

List of rates for Mortgage Specials - Conventional
Mortgage Specials - Conventional Rate
1 Year
7.39%
2 Years
6.79%
3 Years
6.09%
4 Years
6.09%
5 Years
5.59%
7 years
5.99%
List of rates for Mortgage Specials - Insured
Mortgage Specials - Insured Rate
1 Year
7.29%
2 Years
6.69%
3 Years
5.85%
4 Years
5.99%
5 Years
4.99%

*Terms and conditions apply. Subject to approved credit. Alternate rates available. Rates subject to change at any time without notice. Contact YNCU for details.

 
 

We offer Fixed or Variable rates on a variety of mortgage products to suit your needs. Let's find out which option is right for you!

 
FIXED RATE MORTGAGE

  • Your rate is locked in for the duration of your term so you don't have to worry about fluctuating interest rates.

  • The interest rate is typically higher than you would see on a variable rate mortgage.

VARIABLE RATE MORTGAGE

  • Linked to the YNCU Prime rate, your rate will rise and fall with changes in the market.

  • Interest rates are typically lower than you would get with a fixed rate mortgage.

  • Convertible variable rate mortgages can be converted to a fixed rate mortgage with a term equal or greater and Open variable rate mortgages can be converted to any term, any time without penalty.

 

Interest rates vary, book an appointment with a Financial Services Representative or visit your local branch to discuss your personal loan options today!

 

Personal Loans

Whether you're looking to fund an upcoming expense or need an ongoing line of credit, there is a YNCU loan that's right for you.

List of rates for PRIME RATE
PRIME RATE Rate
YNCU Prime
7.20
CF Prime (legacy prime not applicable to new credit)
8.20
 
 

We offer Fixed or Variable rates on secured and unsecured loan products. Let's find out which option is right for you!

 
FIXED RATE LOAN

  • You'll know the exact payment amount you will be making each month for the duration of your loan.

  • Your rate is locked in for the duration of your term so you don't have to worry about fluctuating interest rates.

  • We only ask for a minimum monthly payment, so you can pay as much as you wish each month.

  • You have the option to switch to a variable rate loan at any time without penality.

VARIABLE RATE LOAN

  • Benefit from a generally lower rate than what is available on fixed rate loans.

  • Linked to the YNCU Prime rate, your rate will rise and fall with changes in the market.

  • If interest rates rise, your payments typically stay the same, but your amortization term will increase.

  • If interest rates fall, your payments will stay the same, but your amortization period will decrease.

  • We only ask for a minimum monthly payment, so you can pay as much as you wish each month.

 
Interest rates vary, book an appointment with a Financial Services Representative or visit your local branch to discuss your personal loan options today!
 

Secured Vehicle Loans


Whether you're buying your first car or your next car, YNCU has vehicle loan solutions to help you get where you want to go. Interest rates vary - book an appointment with a Financial Services Representative today to discuss your personalized rate options and find a loan that's right for you!

Limited Time Offers

List of rates for Electric Car Loan Special
Electric Car Loan Special Rate
1 - 5 Year Fixed Loan: 2021 - 2024 models
6.59%
With CUMIS Protected Rate*
6.09%
6 - 8 Year Fixed Loan: 2021 - 2024 models
7.09%
With CUMIS Protected Rate*
6.59%
List of rates for Car Loan Special
Car Loan Special Rate
1 - 5 Year Fixed Loan: 2021-2024 models
6.99%
With CUMIS Protected Rate*
6.49%
6 - 8 Year Fixed Loan: 2021-2024 models
7.49%
With CUMIS Protected Rate*
6.99%
1 - 5 Year Fixed Loan: 2018-2020 models
8.49%
With CUMIS Protected Rate*
7.99%

*Terms and conditions apply. Subject to approved credit. 6.09% rate applies only when the member has CUMIS Life Insurance and either Disability Protection, Critical Illness Protection, or both. Alternate rates available. Rates subject to change at any time without notice. Contact YNCU for details.