If you regularly save your money but need flexible access to it, then this account might be right for you. The Simply Everyday Savings Account offers a flexible and convenient way to save, with anytime access so you can use your money when you actually need it.
| Monthly Fee | Pay as you go |
| Number of Transactions | Unlimited deposits and online transfers between YNCU accounts |
| Charge for Additional Transactions | $1.25 |
| Interac e-Transfers | $1.50 |
| ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM. $2.00 in Canada at a non-Exchange Network ATM. $3.00 Outside Canada |
| Discounted Youth Fee | Free for youth 25 and under |
| Interest | Paid monthly, at posted rate |
Do you maintain a higher balance but don’t want the funds to be locked in? With a High Interest Savings Account, you can save for life’s important purchases, like vehicles, vacations, or home renovations, while earning a higher rate of return on your savings.
| Monthly Fee | Pay as you go |
| Number of Transactions | Unlimited deposits and one free Debit transaction per month |
| Charge for Additional Transactions | $2.25 |
| Interac e-Transfers | $2.25 |
| ATM Withdrawals at another Financial Institution | Ding Free at an Exchange Network ATM. $2.00 in Canada at a non-Exchange Network ATM. $3.00 Outside Canada |
| Discounted Youth and Senior Monthly Fee | N/A |
| Interest | Paid monthly, at posted rate. Higher interest rate on deposit balance over $5,000 |
Would you like an account that offers the flexibility of a Savings Account with the interest earning power of a GIC? The Combination Savings Account is for you. Your money is there when you need it, and growing at a special rate of return when you dont. Learn more on the Combination Savings Account page.
| Monthly Fee | Pay as you go |
| Number of Transactions | Unlimited deposits and one free Debit transaction per month |
| Charge for Additional Transactions | $2.00 |
| Interac e-Transfers | N/A |
| ATM Withdrawals at another Financial Institution | N/A |
| Discounted Youth and Senior Monthly Fee | N/A |
| Interest | Paid monthly, at posted rate. Higher interest rate on deposit balance over $5,000 |
Avoid the ups and downs of U.S. currency exchange rates with the U.S. Hybrid Chequing & Savings Account. This account will help you avoid converting U.S. currency to Canadian and back again. You'll be able to write cheques, build savings, and earn interest in U.S. currency.
| Monthly Fee | Pay as you go |
| Number of Debit Transactions | 2 free per month |
| Charge for Additional Transactions | $1.00 |
| Cheques | At current market pricing |
| Statement | Free On-line / $2.00 printed |
| Interest | Paid monthly, calculated on daily closing balance |
Be prepared for anything by setting up an emergency fund with YNCU. Offering a higher rate than our traditional savings accounts, the Emergency Savings Account will help you build your reserve fund faster while keeping your money accessible.
Features and Benefits
Premium savings interest rate
No monthly fees or minimum balance required
Maximum balance of $15,000
Only one Emergency Savings Account permitted per member
Core Features and Benefits
| Monthly Fee |
Free |
| Number of Transactions |
Unlimited deposits and online transfers between YNCU accounts |
| Charge for Additional Transactions |
N/A |
Account Extras
| Interac e-Transfers |
N/A |
| ATM Withdrawals at another Financial Institution |
N/A |
| Discounted Youth and Senior Monthly Fee |
N/A |
| Interest |
Paid monthly, at posted rate |
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2024 Your Neighbourhood Credit Union Limited. All rights reserved.
Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .
