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YNCU — get more from every paycheque

Get more from every paycheque with YNCU

One small move can bring your money into harmony. Bring your pay to YNCU for special banking rate discounts, and get a chance to win $20K.*

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  • 65K+Members in Ontario
  • $3.5BIn assets
  • 75+Years of banking

Everything you need for everyday banking

 From saving for something special to borrowing for something bigger, YNCU helps you take care of more in one place. Keep everyday banking, future plans, and bigger money decisions closer together, with support that makes things feel easier.

Current YNCU offers

  • Woman with pink hair wearing a blue sweater standing in front of a pink wall with designs
    Weekly prizes

    Move your pay to YNCU for a chance to win $20K

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    Bonus offer

    Mortgage rates at 3.80% plus a $1,000 bonus

  • Older-man-on-sketch-background
    Limited time

    No market watching. Earn 3.30% on an 18-month GIC

  • Chilton-Web-Tile_V3
    Events

    Get tickets: A truly unique perspective with Dave Chilton

Find your local

YNCU has one of the widest geographic reaches of any credit union in Ontario. Our members also have access to more than 4,700 ATMs across Canada through the Exchange Network.

Find a branch

Banking that knows what you need before you have to ask.

YNCU is investing in digital experiences that will go beyond transactions to anticipate your needs, protect your finances, and deliver personalized experiences to make managing your money easier than ever.

Eye

See your money

You can check balances, account activity, payments and more online. Soon we'll add predictive intelligence and insights.

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Move it easily

Manage bills, e-Transfers, and recurring payments without fuss. Even move money from an outside bank account in a few taps.

Phone

Deposit anywhere

Just a few taps: Skip the trip to the branch with mobile cheque deposit—unless you're in the mood for a friendly face.

Banking built on doing what’s right.

Member-owned. B Corp certified. Ethically driven. We care for those who care for others.

Trusted across Ontario

65,000+ members

Choose YNCU for secure, locally-focused everyday banking. Our community-first model is built on over 75 years of financial strength with branches all across Ontario.

Ethical banking

B Corp certified

Our B Corp status reflects strong governance, financial transparency, and trusted relationships with our members, communities, and employees.

Sharing is caring

No stockholders

With no outside shareholders, our focus is helping you reach your financial goals. Members share in our success through better rates and lower fees.

Designed for security and convenience

YNCU’s digital experience is powered by trusted technology partners and built with security, privacy, and reliability at its core—so your financial information is protected while you get the convenience of next generation banking at your fingertips.

Join from your phone in minutes

Bank with a community who trust YNCU with their savings, borrowing, investing, financial guidance, and daily banking, so you can tap and go.

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