Find the right rate for your registered savings
See current YNCU registered account rates in Ontario and find a savings option that works for your plans. From shorter-term goals to retirement and homeownership, put your registered savings to work with a rate that fits.

RRSP and TFSA term ratess
| Features | 1-year |
|---|---|
| $1,000-$19,999 | 3.00% |
| $20,000-$99,999 | 3.05% |
| $100,000+ | 3.10% |
| Features | 2-year |
|---|---|
| $1,000-$19,999 | 3.10% |
| $20,000-$99,999 | 3.15% |
| $100,000+ | 3.20% |
| Features | 3-year |
|---|---|
| $1,000-$19,999 | 3.40% |
| $20,000-$99,999 | 3.45% |
| $100,000+ | 3.50% |
| Features | 4-year |
|---|---|
| $1,000-$19,999 | 3.60% |
| $20,000-$99,999 | 3.65% |
| $100,000+ | 3.70% |
| Features | 5-year |
|---|---|
| $1,000-$19,999 | 3.70% |
| $20,000-$99,999 | 3.75% |
| $100,000+ | 3.80% |
*Terms and conditions apply. Minimum deposit of $1,000. Rates are subject to change at any time. Contact YNCU or visit for full details.
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.