Savings account · YNCU
Emergency Savings: fees and true cost
YNCU’s Emergency Savings lists 1.6% interest and no monthly fee. On $10,000 that’s about $160 a year before tax, at the posted rate.
Provincial insurerOffered in ON
Fees retrieved November 1, 2026
Interest at different balances
| Balance | Rate | Interest a year |
|---|---|---|
| $1,000 | 1.6% | $16 |
| $10,000 | 1.6% | $160 |
| $50,000 | 0% | $0 |
| Balance | Rate (annual) |
|---|---|
| $0 to $15,000 | 1.6% |
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| Included transactions | None included (each one is charged) |
| Debit purchase in Canada (beyond included) | Not available |
| Online or mobile bill payment | Not available |
| Interac e-Transfer | Not available |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | No extra fee |
| Withdrawal at another institution’s ATM | $2.00 |
| ATM withdrawal in the United States | $3.00 |
| ATM withdrawal in other countries | $3.00 |
| Debit purchase in the United States | Not available |
| In-branch withdrawal | No extra fee |
| Bill payment in branch | Not available |
| Cheque (as a payment) | Not available |
| Mailed monthly statement | $2.50 |
| Non-sufficient funds (NSF) | Not stated |
| Overdraft protection, monthly | Not stated |
| Overdraft protection, per use | Not stated |
| Overdraft interest | Not stated |
Notes from the institution
FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Please verify current account details directly with the financial institution.
Is the money protected?
FSRA (Ontario credit union). Credit union deposits are insured by the province, with limits that vary — see credit union insurance by province.
Other savings accounts at YNCU
- Combination Savings — 0.05%–1.6% (tiered) interest
- High Interest Savings — 0.05%–0.75% (tiered) interest
- Savings — 0.05% interest
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · YNCU’s product page
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