4.2
on Google by our members
Move your RRSP to YNCU and earn guaranteed returns.
Your retirement deserves steady, predictable growth — not uncertainty. Unlock 3.35% on a 1-year GIC or 3.55% on a 3-year GIC when you invest your RRSP with YNCU.
When you transfer $15,000 or more, we’ll cover up to $150 in transfer-in fees, making it easier to make the switch.
Terms and Conditions
Terms and Conditions
Don’t wait to lock in a great GIC rate.
Your future deserves a plan that works for you, backed by a financial partner that genuinely cares about your goals. Fill out the short form below or give us a call 1-888-296-9965 to get started.
An advisor will be contact you shortly.
4.2
on Google by our members
Move your RRSP to YNCU and earn guaranteed returns.
Your retirement deserves steady, predictable growth — not uncertainty. Unlock 3.35% on a 1-year GIC or 3.55% on a 3-year GIC when you invest your RRSP with YNCU.
When you transfer $15,000 or more, we’ll cover up to $150 in transfer-in fees, making it easier to make the switch.
Terms and Conditions
Terms and Conditions
Don’t wait to lock in a great GIC rate.
Your future deserves a plan that works for you, backed by a financial partner that genuinely cares about your goals. Fill out the short form below or give us a call 1-888-296-9965 to get started.
An advisor will be contact you shortly.
4.2
on Google by our members
Move your RRSP to YNCU and earn guaranteed returns.
Your retirement deserves steady, predictable growth — not uncertainty. Unlock 3.35% on a 1-year GIC or 3.55% on a 3-year GIC when you invest your RRSP with YNCU.
When you transfer $15,000 or more, we’ll cover up to $150 in transfer-in fees, making it easier to make the switch.
Terms and Conditions
Terms and Conditions
Don’t wait to lock in a great GIC rate.
Your future deserves a plan that works for you, backed by a financial partner that genuinely cares about your goals. Fill out the short form below or give us a call 1-888-296-9965 to get started.
An advisor will be contact you shortly.
65K+
65K+
Valued Members and Growing
Valued Members and Growing
75+
75+
Years In Business
Years In Business
3.5+
3.5+
Billion in Managed Assets
Billion in Managed Assets
18
18
Communities Across Ontario
Communities Across Ontario
Secure a guaranteed rate and grow your retirement with confidence.
1-Year RRSP GIC
$1,000 minimum deposit
3.35%
*
3-Year RRSP GIC
$1,000 minimum deposit
3.55%
*
Why choose a GIC for your RRSP
Investing your RRSP in a GIC gives you the best of both worlds: guaranteed growth and valuable tax benefits. It’s a straightforward, low-risk way to build your retirement savings with total peace of mind. Your rate is locked in, your money is protected, and your future grows a little stronger with every contribution.
You have until March 2, 2026 to take advantage of the tax benefits for the 2025 year.
The benefits of a GIC
Guaranteed returns
Your rate is locked in, so you know exactly how much you’ll earn.
No market risk
Your principal and interest are fully protected.
Flexible Terms
Choose the length that fits your goals, whether short or long term.
Easy to plan around
Predictable growth helps you plan your future with confidence.
The benefits of an RRSP
Tax-deferred growth
Your money grows tax-free until you withdraw it in retirement.
Tax deductions
Your contributions can reduce your taxable income today.
Compound Growth
Your savings build on themselves over time, growing faster each year through the power of compound interest.
Additional Advantages
Take advantage of options like the Home Buyers’ Plan or Lifelong Learning Plan.
Secure a guaranteed rate and grow your retirement with confidence.
1-Year RRSP GIC
$1,000 minimum deposit
3.35%
*
3-Year RRSP GIC
$1,000 minimum deposit
3.55%
*
Why choose a GIC for your RRSP
Investing your RRSP in a GIC gives you the best of both worlds: guaranteed growth and valuable tax benefits. It’s a straightforward, low-risk way to build your retirement savings with total peace of mind. Your rate is locked in, your money is protected, and your future grows a little stronger with every contribution.
You have until March 2, 2026 to take advantage of the tax benefits for the 2025 year.
The benefits of a GIC
Guaranteed returns
Your rate is locked in, so you know exactly how much you’ll earn.
No market risk
Your principal and interest are fully protected.
Flexible Terms
Choose the length that fits your goals, whether short or long term.
Easy to plan around
Predictable growth helps you plan your future with confidence.
The benefits of an RRSP
Tax-deferred growth
Your money grows tax-free until you withdraw it in retirement.
Tax deductions
Your contributions can reduce your taxable income today.
Compound Growth
Your savings build on themselves over time, growing faster each year through the power of compound interest.
Additional Advantages
Take advantage of options like the Home Buyers’ Plan or Lifelong Learning Plan.
Secure a guaranteed rate and grow your retirement with confidence.
1-Year RRSP GIC
$1,000 minimum deposit
3.35%
*
3-Year RRSP GIC
$1,000 minimum deposit
3.55%
*
Why choose a GIC for your RRSP
Investing your RRSP in a GIC gives you the best of both worlds: guaranteed growth and valuable tax benefits. It’s a straightforward, low-risk way to build your retirement savings with total peace of mind. Your rate is locked in, your money is protected, and your future grows a little stronger with every contribution.
You have until March 2, 2026 to take advantage of the tax benefits for the 2025 year.
The benefits of a GIC
Guaranteed returns
Your rate is locked in, so you know exactly how much you’ll earn.
No market risk
Your principal and interest are fully protected.
Flexible Terms
Choose the length that fits your goals, whether short or long term.
Easy to plan around
Predictable growth helps you plan your future with confidence.
The benefits of an RRSP
Tax-deferred growth
Your money grows tax-free until you withdraw it in retirement.
Tax deductions
Your contributions can reduce your taxable income today.
Compound Growth
Your savings build on themselves over time, growing faster each year through the power of compound interest.
Additional Advantages
Take advantage of options like the Home Buyers’ Plan or Lifelong Learning Plan.
Grow towards the future you’ve been planning for.
You’ve worked hard to save. Now it’s time to make those savings work for you. Grow your RRSP safely and steadily with a GIC - backed by strong rates and a team that puts your goals first. Start building your future today.
How it works
01
Connect with us. Fill out the form or call 1-888-296-9965.
02
Choose your term. Pick the perfect term for your GIC.
03
Open your RRSP. Optional if you do not already have one with YNCU.
04
Earn guaranteed returns. Your investment grows safely inside your RRSP.
05
Plan for what’s next. Our advisors help you stay on track year after year.
Helping serve our members since 1950
While it sounds cliché, here at YNCU, our members come first. As a credit union, we don’t have the stock pressures of big banks, so we can prioritize your financial well-being over profit.
Why choose YNCU?
Given the economic uncertainty we’re facing in this country, our job is to make you feel confident about your future. We’ll help you earn, save, and protect your money. We also help the local communities where we do business, because we know the financial health and security of our customers and members require investments at both individual and collective levels.
Trusted by over 65,000 members and growing
YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.
Mary E.
Happy Member
Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.
Leann W.
Happy Member
They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.
Caleb D.
Happy Member
Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).
Jay P.
Happy Member
Trusted by over 65,000 members and growing
YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.
Mary E.
Happy Member
Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.
Leann W.
Happy Member
They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.
Caleb D.
Happy Member
Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).
Jay P.
Happy Member
What our amazing members say about us
What our amazing members say about us
Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.
YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.
Mary E.
Happy Member
YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.
Mary E.
Happy Member
Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.
Leann W.
Happy Member
Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.
Leann W.
Happy Member
They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.
Caleb D.
Happy Member
They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.
Caleb D.
Happy Member
Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).
Jay P.
Happy Member
Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).
Jay P.
Happy Member
Frequently Asked Questions
What is an RRSP?
A Registered Retirement Savings Plan (RRSP) is a government-registered account that helps Canadians save for retirement. Contributions are tax-deductible, and investments inside an RRSP grow tax-deferred until withdrawal. This allows your retirement savings to grow more efficiently over time.
What is an RRSP?
A Registered Retirement Savings Plan (RRSP) is a government-registered account that helps Canadians save for retirement. Contributions are tax-deductible, and investments inside an RRSP grow tax-deferred until withdrawal. This allows your retirement savings to grow more efficiently over time.
What is an RRSP?
A Registered Retirement Savings Plan (RRSP) is a government-registered account that helps Canadians save for retirement. Contributions are tax-deductible, and investments inside an RRSP grow tax-deferred until withdrawal. This allows your retirement savings to grow more efficiently over time.
How does a GIC held in an RRSP work?
A GIC held in an RRSP works by letting your money earn a guaranteed interest rate while staying tax-sheltered until you retire. You choose a GIC term (such as 1 or 3 years), and your principal earns a fixed rate for that period. When the GIC matures, you can reinvest it, choose a new term, or reallocate the funds within your RRSP.
How does a GIC held in an RRSP work?
A GIC held in an RRSP works by letting your money earn a guaranteed interest rate while staying tax-sheltered until you retire. You choose a GIC term (such as 1 or 3 years), and your principal earns a fixed rate for that period. When the GIC matures, you can reinvest it, choose a new term, or reallocate the funds within your RRSP.
How does a GIC held in an RRSP work?
A GIC held in an RRSP works by letting your money earn a guaranteed interest rate while staying tax-sheltered until you retire. You choose a GIC term (such as 1 or 3 years), and your principal earns a fixed rate for that period. When the GIC matures, you can reinvest it, choose a new term, or reallocate the funds within your RRSP.
How does an RRSP work?
An RRSP allows you to contribute money each year (up to your annual RRSP contribution limit), deduct those contributions from your taxable income, and grow your investments tax deferred. You only pay tax when you withdraw the money, usually in retirement when your income (and tax bracket) may be lower.
How does an RRSP work?
An RRSP allows you to contribute money each year (up to your annual RRSP contribution limit), deduct those contributions from your taxable income, and grow your investments tax deferred. You only pay tax when you withdraw the money, usually in retirement when your income (and tax bracket) may be lower.
How does an RRSP work?
An RRSP allows you to contribute money each year (up to your annual RRSP contribution limit), deduct those contributions from your taxable income, and grow your investments tax deferred. You only pay tax when you withdraw the money, usually in retirement when your income (and tax bracket) may be lower.
Can I transfer my RRSP to YNCU?
Yes. You can transfer your existing RRSP from another financial institution to YNCU at any time. The process is simple, and our team can help ensure your registered savings continue to grow without disruption. For a limited time, YNCU will cover up to $150 in transfer-in fees** on qualifying investments of $15,000 or more. This helps you move your retirement savings without added costs and allows you to take advantage of our competitive RRSP GIC rates.
Can I transfer my RRSP to YNCU?
Yes. You can transfer your existing RRSP from another financial institution to YNCU at any time. The process is simple, and our team can help ensure your registered savings continue to grow without disruption. For a limited time, YNCU will cover up to $150 in transfer-in fees** on qualifying investments of $15,000 or more. This helps you move your retirement savings without added costs and allows you to take advantage of our competitive RRSP GIC rates.
Can I transfer my RRSP to YNCU?
Yes. You can transfer your existing RRSP from another financial institution to YNCU at any time. The process is simple, and our team can help ensure your registered savings continue to grow without disruption. For a limited time, YNCU will cover up to $150 in transfer-in fees** on qualifying investments of $15,000 or more. This helps you move your retirement savings without added costs and allows you to take advantage of our competitive RRSP GIC rates.
How much can I contribute to my RRSP?
Your RRSP contribution limit for the year is based on 18% of your previous year’s earned income, up to the CRA’s annual maximum. You can also use any unused contribution room from previous years. You can find your exact contribution limit on your CRA MyAccount or your Notice of Assessment.
How much can I contribute to my RRSP?
Your RRSP contribution limit for the year is based on 18% of your previous year’s earned income, up to the CRA’s annual maximum. You can also use any unused contribution room from previous years. You can find your exact contribution limit on your CRA MyAccount or your Notice of Assessment.
How much can I contribute to my RRSP?
Your RRSP contribution limit for the year is based on 18% of your previous year’s earned income, up to the CRA’s annual maximum. You can also use any unused contribution room from previous years. You can find your exact contribution limit on your CRA MyAccount or your Notice of Assessment.
When is the RRSP contribution deadline for 2025?
You have until March 2, 2026 to make RRSP contributions that count toward your 2025 taxes. Contributions made by this date can be applied to the previous year’s tax return, allowing you to reduce your taxable income and potentially increase your tax refund.
When is the RRSP contribution deadline for 2025?
You have until March 2, 2026 to make RRSP contributions that count toward your 2025 taxes. Contributions made by this date can be applied to the previous year’s tax return, allowing you to reduce your taxable income and potentially increase your tax refund.
When is the RRSP contribution deadline for 2025?
You have until March 2, 2026 to make RRSP contributions that count toward your 2025 taxes. Contributions made by this date can be applied to the previous year’s tax return, allowing you to reduce your taxable income and potentially increase your tax refund.
What happens if I withdraw money from my RRSP early?
Withdrawals made before retirement are typically considered taxable income, and most financial institutions must withhold a portion for taxes at the time of withdrawal. Early withdrawals also permanently reduce your RRSP contribution room. Programs like the Home Buyers’ Plan (HBP) and Lifelong Learning Plan (LLP) allow certain penalty-free RRSP withdrawals with conditions.
What happens if I withdraw money from my RRSP early?
Withdrawals made before retirement are typically considered taxable income, and most financial institutions must withhold a portion for taxes at the time of withdrawal. Early withdrawals also permanently reduce your RRSP contribution room. Programs like the Home Buyers’ Plan (HBP) and Lifelong Learning Plan (LLP) allow certain penalty-free RRSP withdrawals with conditions.
What happens if I withdraw money from my RRSP early?
Withdrawals made before retirement are typically considered taxable income, and most financial institutions must withhold a portion for taxes at the time of withdrawal. Early withdrawals also permanently reduce your RRSP contribution room. Programs like the Home Buyers’ Plan (HBP) and Lifelong Learning Plan (LLP) allow certain penalty-free RRSP withdrawals with conditions.
Is my RRSP insured or protected?
Investments held at YNCU are insured by the Financial Services Regulatory Authority of Ontario (FSRA) up to applicable limits. Eligible deposits in registered accounts have unlimited coverage and eligible deposits in non-registered accounts are insured up to $250,000.
Is my RRSP insured or protected?
Investments held at YNCU are insured by the Financial Services Regulatory Authority of Ontario (FSRA) up to applicable limits. Eligible deposits in registered accounts have unlimited coverage and eligible deposits in non-registered accounts are insured up to $250,000.
Is my RRSP insured or protected?
Investments held at YNCU are insured by the Financial Services Regulatory Authority of Ontario (FSRA) up to applicable limits. Eligible deposits in registered accounts have unlimited coverage and eligible deposits in non-registered accounts are insured up to $250,000.
When should I start contributing to my RRSP?
You can start contributing as soon as you have employment income and contribution room. Starting earlier allows your retirement savings to benefit from decades of tax-deferred growth, also referred to as compound interest, making it one of the most effective long-term financial strategies for Canadians.
When should I start contributing to my RRSP?
You can start contributing as soon as you have employment income and contribution room. Starting earlier allows your retirement savings to benefit from decades of tax-deferred growth, also referred to as compound interest, making it one of the most effective long-term financial strategies for Canadians.
When should I start contributing to my RRSP?
You can start contributing as soon as you have employment income and contribution room. Starting earlier allows your retirement savings to benefit from decades of tax-deferred growth, also referred to as compound interest, making it one of the most effective long-term financial strategies for Canadians.
How long should I invest in an RRSP GIC?
Your ideal RRSP GIC term depends on your retirement timeline and comfort level with fixed-rate commitments. A 1-year GIC is great for flexibility, while a 3-year GIC may offer higher returns. Many Canadians ladder terms for balanced access and growth.
How long should I invest in an RRSP GIC?
Your ideal RRSP GIC term depends on your retirement timeline and comfort level with fixed-rate commitments. A 1-year GIC is great for flexibility, while a 3-year GIC may offer higher returns. Many Canadians ladder terms for balanced access and growth.
How long should I invest in an RRSP GIC?
Your ideal RRSP GIC term depends on your retirement timeline and comfort level with fixed-rate commitments. A 1-year GIC is great for flexibility, while a 3-year GIC may offer higher returns. Many Canadians ladder terms for balanced access and growth.
Lock in a great rate with YNCU.
Your future deserves a plan that works for you, backed by a financial partner that genuinely cares about your goals.
Lock in a great rate with YNCU.
Your future deserves a plan that works for you, backed by a financial partner that genuinely cares about your goals.
Lock in a great rate with YNCU.
Your future deserves a plan that works for you, backed by a financial partner that genuinely cares about your goals.
Honest Money Talks Blog
Investing in a GIC
Invest with no risk! A Guaranteed Investment Certificate (GIC) is a great option for every type of investor.
Why you need to start an RRSP
Retirement is something we should all be thinking about, regardless of your age or where you are in life.
You've opened an RRSP! Now what?
Congratulations on taking a fantastic leap forward by opening a Registered Retirement Savings Plan (RRSP)!
Honest Money Talks Blog
Investing in a GIC
Invest with no risk! A Guaranteed Investment Certificate (GIC) is a great option for every type of investor.
Why you need to start an RRSP
Retirement is something we should all be thinking about, regardless of your age or where you are in life.
You've opened an RRSP! Now what?
Congratulations on taking a fantastic leap forward by opening a Registered Retirement Savings Plan (RRSP)!
Honest Money Talks Blog
Investing in a GIC
Invest with no risk! A Guaranteed Investment Certificate (GIC) is a great option for every type of investor.
Why you need to start an RRSP
Retirement is something we should all be thinking about, regardless of your age or where you are in life.
You've opened an RRSP! Now what?
Congratulations on taking a fantastic leap forward by opening a Registered Retirement Savings Plan (RRSP)!