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.
- A pay-per-transaction chequing option with no monthly package fee, charging a flat rate across most everyday transactions. Withdrawals at Your CU and Exchange Network ATMs are unlimited and free, and utility bill payments cost less when made through online banking rather than in branch. New member-owners get a completely fee-free account for their first year, and members 59 and over or under 26 qualify for fee-free banking on an ongoing basis.
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's all-inclusive chequing package at $12 monthly, covering unlimited cheque clearing, point-of-sale debit, Interac e-Transfers, utility bill payments, pre-authorized debits and credits, in-branch withdrawals and bill payments, and Your CU/Exchange Network ATM use. The monthly fee is waived entirely by maintaining a $4,000 minimum monthly balance. It replaced the former Brilliant Package, with existing Brilliant users transitioned over on March 1, 2026.
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% - A high daily interest account for members who don't need chequing services or daily transactions, with interest calculated on the daily closing balance and paid monthly. It's also available as an RSP, TFSA, or FHSA. Internet banking transfers are free, but every other transaction type is priced noticeably higher than on Plan24, deliberately steering members toward leaving the balance alone. Pre-authorized debits aren't 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's most popular savings account, built as a place to park money outside your daily transactional accounts, with interest calculated on the daily closing balance and paid monthly. In-branch transfers and withdrawals at Your CU and Exchange Network ATMs are free, while other transactions are billed individually and debited immediately. Pre-authorized debits aren't permitted, and Golden Members aged 59 and over get the account entirely fee-free apart from pre-authorized debits and other-institution ATM withdrawals.
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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