All disclaimers, trademarks (Interac, Apple Pay, Google Play Store, etc.)
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.
Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc. Qtrade and Qtrade Direct Investing are trade names or trademarks of Aviso Wealth Inc. and/or its affiliates.
Qtrade Guided Portfolios is a digital investing service. Product availability, account eligibility, portfolio recommendations, fees, and terms are subject to Qtrade requirements.
Commissions, trailing commissions, management fees, and expenses may be associated with mutual fund investments. Please read the prospectus before investing.
Unless otherwise stated, mutual fund securities and cash balances are not insured or guaranteed, and are not covered by deposit insurance.
Mutual fund values change frequently, and past performance may not be repeated.
Investment products are not guaranteed. All securities, including mutual funds, involve risk and may result in a loss of capital.
Registered plan eligibility, contribution limits, withdrawals, tax treatment, and product availability depend on the account type and applicable rules.
This page is for general information only and is not investment, tax, or legal advice.
† Savings Account, Chequing Account, and GIC interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually. GIC terms of less than one year have interest calculated on the basis of 365/366 and paid at maturity.
6 YNCU will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your YNCU Client Card. Some exclusions apply; see our Fee Schedule for details. The current Fee Schedule can be found at yncu.ca/feeschedule.
*Trademark of Visa International Service Association and used under license
‡Pay no fees for everyday Chequing transactions. For non-standard transactions, a fee may apply.
7Full terms and conditions are outlined in the Account Terms and Client Card Cardholder Agreement available to you on our website at yncu.ca.
Interac and Interac e-Transfer are registered trademarks of Interac Corp, used under licence.
Cheque-In® is a registered trademark of YNCU Bank.
® ApplePay is a registered trademark of Apple Inc., registered in the U.S. and other countries.
™ Google Pay is a trademark of Google LLC.
® Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
3 Some conditions may apply. Service is subject to availability and successful digital verification.
4 As of Mar 10, 2026 there were 49.9K reviews with an average rating of 4.5 from the Google Play Store and 77K reviews with an average rating of 4.7 from the App Store.
® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.
™ Google Play is a trademark of Google LLC.
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