Your Credit Union Limited
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Your
Your Credit Union Limited is a credit union located in Ontario. It was founded in 1950. It primarily serves Ottawa and Cornwall.
Your Credit Union traces its roots to 1950, when Ottawa Municipal Employees Credit Union was established to serve City of Ottawa workers. Over time, mergers brought together several workplace based credit unions in the Ottawa region, including institutions originally serving teachers, newspaper employees, and municipal staff.
In 1999, the credit union expanded to Cornwall through a merger that included Howard Smith Credit Union. It adopted the name Your Credit Union in 2004 and became an open bond credit union in 2009, allowing membership to extend beyond its original workplace groups.
Today, Your Credit Union serves members in Ottawa, Cornwall, and surrounding communities. It offers personal and business banking, lending, mortgages, investments, and related financial services through a member owned cooperative structure.
Provinces served
Number of Members (as of 2025): ~10,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Pay As You Go
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Pre-Authorized Debit: $1.20 Cheque: $1.20 Point-of-Sale Transaction: $1.20 Interac e-Transfer: $1.20 ATM Withdrawal (Other Canadian ATM): $2.00 In-Branch Withdrawal: $1.20 Bill Payment (In Branch): $1.20
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Your Credit Union Pay As You Go is a no-monthly-fee chequing account with most everyday transactions costing $1.20 each. Deposits, online transfers, YCU ATM withdrawals, and Exchange Network ATM withdrawals are free. Online bill payments cost $0.90 and in-branch bill payments cost $1.20. New members receive a fee-free account for 1 year.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Unlimited Package
- Standard Fee
- $12.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $4,000 in your account.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Your Credit Union Unlimited Package is a $12-per-month chequing account with unlimited cheque clearing, debit purchases, Interac e-Transfers, bill payments, pre-authorized transactions, in-branch withdrawals and transfers, and YCU and Exchange Network ATM transactions. The monthly fee is waived when a minimum monthly balance of $4,000 is maintained.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: High Interest Savings Account (HISA)
- Interest Rate
- 0.40%*
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $5,000 0.40% $5,000 to $75,000 0.50% $75,000 or more 0.75% - Your Credit Union High Interest Savings Account is a savings account with interest calculated on the daily closing balance and paid monthly. It is also available for RSP, TFSA, and FHSA plans. Internet banking transfers are free. In-branch withdrawals cost $2.20, Interac e-Transfers cost $1.20, and pre-authorized debits are not permitted.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: Your Plan24 Savings Account
- Interest Rate
- 0.20%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Your Credit Union Your Plan24 Savings Account earns interest calculated on the daily closing balance and paid monthly. In-branch transfers and Your CU or Exchange Network ATM withdrawals are free, while in-branch withdrawals cost $1.20. Pre-authorized debits are not permitted. Golden Members age 59 and older receive fee-free savings, subject to specified exceptions.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $399M | +1.5% | +11.8% |
| Loans | $362M | +4.0% | +14.6% |
| Deposits | $338M | 0.0% | +7.6% |
| Loan-to-Deposit Ratio | 107.1% | — | — |
| Mortgages + HELOCs | $315M | +5.7% | +34.6% |
| Securities | $18M | -10.0% | -30.8% |
| Revenue | $11M | +22.2% | +22.2% |
| Efficiency Ratio | 80.0% | — | — |
| Target Members / Region | Ottawa, Cornwall | — | — |
Your Credit Union Limited Deposits, Loans and Revenue in the Past 5 Years
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