Owners get lower fees

With no profit motive we can reinvest any profits we do make into lower fees for our member-owners. That means that our fees are lower than traditional banks and we do our best to eliminate fees when we can.

New Members get a fee-free account for one year

All new member-owners at Your Credit Union receive a completely fee-free account for one year. It’s our way of welcoming you to our co-operative family and demonstrating our commitment to providing the lowest possible fees and rates.

Chequing Accounts

Pay as you go

Your Chequing Account allows you to do all of your banking easily and quickly and you can choose from four service options:

• Option 1:  Pay as you go

Pre-Authorized debits $ 0.90
Cheque Clearing $ 0.90
Point of Sale direct payments $ 0.90
Interac online payments $ 0.90
Utility Bill Payments
     Online/telephone banking $ 0.90
     Branch, including ATM $ 1.00
     Hydro Quebec (branch/phone/online) $ 1.50
ATM withdrawals
     Your CU/Exchange Network ATM's NONE
     Surcharge at all other CDN ATMs $ 2.00
     Surcharge at all US and International ATMs $ 4.00
Interac e-mail transfers $ 0.90
In Branch withdrawal $ 0.90
In Branch bill payment $ 1.00

NOTE:  There is NO Package fees for Seniors (59+) or Youths (under 26)


EGenius Package

• Option 2:  A $8 EGenius Package which includes:

  • Unlimited Pre-Authorized Debits
  • Unlimited Pre-Authorized Credits
  • Unlimited Point of Sale Debits
  • Unlimited Interac® E-Transfers
  • Unlimited INTERAC® Online Payments
  • Unlimited Utility Bill Payments - paid Online/App/Telephone
  • ATM - YCU/Exchange ATM's - Unlimited
  • All Other CDN ATM's - $2.00 each
  • All US and International ATM's - $4.00 each

**Not included are cheques, and any in branch transactions

***If a minimum monthly balance of $2000 is maintained throughout the month, the monthly package fee is waived


Smart Package

• Option 3:  A $10 Smart Package which includes:

Includes 30 Every day Type of Transactions per month

  • Pay per use after the 30

Every day types of transactions include: 

  • Cheque Clearing
  • Point of Sale Debits
  • Interac® E-Transfers (credit or debit)
  • INTERAC® Online Payment
  • Utility Bill Payments
  • Pre-Authorized Debits
  • Pre-Authorized Credits
  • Remote Deposit Capture
  • In-Branch Withdrawals
  • In-Branch Deposits
  • In-Branch Utility Bills
  • ATM - YCU/Exchange ATM's (deposit, bill payment or withdrawal)
  • All Other CDN ATM's - $2.00 each
  • All US and International ATM's - $4.00 each

***If a minimum monthly balance of $2000 is maintained throughout the month, the monthly package fee is waived


Brilliant Package

• Option 4:  A $20 Unlimited Brilliant Package which includes:

  • Cheque Clearing
  • Point of Sale Debits
  • Interac® E-Transfers (credit or debit)
  • INTERAC® Online Payment
  • Utility Bill Payments
  • Pre-Authorized Debits
  • Pre-Authorized Credits
  • Remote Deposit Capture
  • In-Branch Withdrawals
  • In-Branch Deposits
  • In-Branch Utility Bills
  • ATM - YCU/Exchange ATM's (deposit, bill payment or withdrawal)
  • All Other CDN ATM's - $2.00 each
  • All US and International ATM's - $4.00 each
***If a minimum monthly balance of $2000 is maintained throughout the month, the monthly package fee is waived


Savings Accounts

Our savings accounts give you options: the flexibility to save for those new boots or a dream vacation in the short term, or the down payment for a house or new car in the longer term. These savings accounts are also compatible with many of our Investment options.


Your Savings Account earns daily interest and is our most popular savings account.


High Interest Saving Accounts (HISA) are high daily interest rate accounts for members who do not require chequing services.


Tax Free Savings Accounts (TFSA) are great for members over the age of 18 who want to have their investments grow tax-free and remain tax-free at redemption.

Payroll Deduction

We’re making saving convenient for you. Set aside a little extra money for a rainy day or save up for a big purchase with an automatic payroll deduction. It’s the easiest way to ‘pay yourself’ first.
 

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