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

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

• Option 1:  Pay as you go (pay for what you use - simple, and our most flexible option)

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

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

• Option 2:  A $10 Intermediate Package which includes:

• Up to 5 Cheque Clearing
• Up to 20 Point of Sale Debits, Interac® E-Transfers or  INTERAC® Online Payment (combined)
• Up to 3 Utility Bill Payments
• Unlimited Pre-Authorized Debits
• ATM - YCU/Exchange ATM's - Unlimited
• All Other CDN ATM's - $2.00 each
• All US and International ATM's - $4.00 each

• Option 3:  A $15 Unlimited Package which includes:

• Unlimited Cheque Clearing
• Unlimited Point of Sale Debits, Interac® E-Transfers or  INTERAC® Online Payment (combined)
• Unlimited Utility Bill Payments
• Unlimited Pre-Authorized Debits
• ATM - YCU/Exchange ATM's - Unlimited
• All Other CDN ATM's - $2.00 each
• All US and International ATM's - $4.00 each

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.