Lenders
Your Neighbourhood Credit Union (YNCU)
| Type | credit union |
|---|---|
| Operates | Ontario, Southwestern Ontario and Northern Ontario (Community First division) |
| Head office province | Ontario |
| Website | https://www.yncu.com |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | direct |
Published rates held for this lender
59 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-year GIC - $1,000-$19,999 | 3.10% | GIC Rates | YNCU | ||
| GIC | 1-year GIC - $100,000+ | 3.20% | GIC Rates | YNCU | ||
| GIC | 1-year GIC - $20,000-$99,999 | 3.15% | GIC Rates | YNCU | ||
| GIC | 1-year non-redeemable GIC | 3.10% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC - $1,000-$19,999 | 3.70% | GIC Rates | YNCU | ||
| GIC | 2-year GIC - $100,000+ | 3.70% | GIC Rates | YNCU | ||
| GIC | 2-year GIC - $20,000-$99,999 | 3.70% | GIC Rates | YNCU | ||
| GIC | 2-year non-redeemable GIC | 3.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC - $1,000-$19,999 | 3.45% | GIC Rates | YNCU | ||
| GIC | 3-year GIC - $100,000+ | 3.55% | GIC Rates | YNCU | ||
| GIC | 3-year GIC - $20,000-$99,999 | 3.50% | GIC Rates | YNCU | ||
| GIC | 3-year non-redeemable GIC | 3.45% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC - $1,000-$19,999 | 3.80% | GIC Rates | YNCU | ||
| GIC | 4-year GIC - $100,000+ | 3.90% | GIC Rates | YNCU | ||
| GIC | 4-year GIC - $20,000-$99,999 | 3.85% | GIC Rates | YNCU | ||
| GIC | 4-year non-redeemable GIC | 3.80% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC - $1,000-$19,999 | 4.25% | GIC Rates | YNCU | ||
| GIC | 5-year GIC - $100,000+ | 4.25% | GIC Rates | YNCU | ||
| GIC | 5-year GIC - $20,000-$99,999 | 4.25% | GIC Rates | YNCU | ||
| GIC | 5-year non-redeemable GIC | 4.25% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | Equity Advantage Series - 3 years - Max annual compound rate | 6.27% | GIC Rates | YNCU | ||
| GIC | Equity Advantage Series - 5 years - Max annual compound rate | 7.57% | GIC Rates | YNCU | ||
| GIC | Green Neighbourhoods - 3 years - Max annual compound rate | 6.67% | GIC Rates | YNCU | ||
| GIC | Green Neighbourhoods - 5 years - Max annual compound rate | 7.57% | GIC Rates | YNCU | ||
| GIC | Pay yourself first GIC - 1-year | 2.65% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - 1st year | 2.95% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - 2nd year | 3.55% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - 3rd year | 4.00% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 3-year GIC - Average return | 3.50% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 1st year | 2.95% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 2nd year | 3.45% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 3rd year | 3.90% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 4th year | 4.20% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - 5th year | 4.50% | GIC Rates | YNCU | ||
| GIC | Step Up: Escalating rate 5-year GIC - Average return | 3.80% | GIC Rates | YNCU | ||
| Mortgage | 1-year fixed | 5.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 1-year fixed | 5.99% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 2-year fixed | 5.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 2-year fixed | 5.99% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 3-year High-ratio fixed mortgage | 4.49% | High-ratio fixed mortgage | Mortgage Rates | YNCU | |
| Mortgage | 3-year fixed | 4.69% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 3-year fixed | 4.49% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 4-year fixed | 4.79% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 4-year fixed | 4.59% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 5-year Closed variable mortgage special | 4.05% | Closed variable mortgage special; YNCU prime rate 4.70% | Mortgage Rates | YNCU | |
| Mortgage | 5-year closed variable | 4.05% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 5-year fixed | 4.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Mortgage | 5-year fixed | 4.79% | High-ratio mortgage | Mortgage Rates | YNCU | |
| Mortgage | 7-year fixed | 5.99% | Conventional mortgage | Mortgage Rates | YNCU | |
| Savings account | Combination Savings - $100,000-$249,999 | 1.40% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - $250,000-$499,999 | 1.50% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - $5,000-$99,9999 | 1.30% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - $500,000 and over | 1.60% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - Up to $4,999 | 0.05% | Savings Account Rates | YNCU | ||
| Savings account | Emergency Savings - Up to $15,000 | 1.70% | Savings Account Rates | YNCU | ||
| Savings account | First Home Savings Account - Up to $8,000/year | 0.85% | Savings Account Rates | YNCU | ||
| Savings account | High Interest Savings - $5,000 and over | 0.85% | Savings Account Rates | YNCU | ||
| Savings account | High Interest Savings - Up to $4,999 | 0.05% | Savings Account Rates | YNCU | ||
| Savings account | Savings - All balances | 0.05% | Savings Account Rates | YNCU |
Products as recorded
- Conventional mortgage
- High-ratio fixed mortgage
- 5 Year closed variable mortgage
Community First Credit Union is a division of Your Neighbourhood Credit Union, per Finanso summary
The lender's own website.
Sources for this record
- https://www.yncu.com/personal/borrow/mortgages
- https://www.yncu.com/resources/rates
- https://wowa.ca/credit-unions/your-neighbourhood-credit-union
Encyclopedia captured 2026-11-14.