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Table of ContentsCredit Services ...........................................................................................4 Mortgages ......................................................................................................... 5 Loans ................................................................................................................ 6 Lines of Credit .................................................................................................... 7 Credit Cards ...................................................................................................... 7

Deposit Products .......................................................................................8 High Interest Savings Account ........................................................................... 9 Preferred Shares ................................................................................................ 9 Payroll Deductions ............................................................................................. 9 Term Deposits .................................................................................................. 10 Mutual Funds ................................................................................................... 11

Transaction Services ................................................................................12 Banking Options .............................................................................................. 13 Chequing Accounts ......................................................................................... 14 Savings Accounts ............................................................................................ 15 Additional Services ........................................................................................... 16

Service Charges ......................................................................................17

Miscellaneous Charges ............................................................................18

Our Member Service Officers at Your Credit

Union are here to provide advice on managing

your credit and ensuring the prosperity of each

and every one of our members.

It’s what sets us apart from larger banks -

we care about our community and its

financial future.

Our Credit Services are secure, quick and

easily accessible. Perhaps it is a mortgage for

a new home, a personal line of credit, setting up

payroll services, obtaining a student loan or

our MasterCard.

Visit one of our branches or fill out an application

online at www.yourcu.com

- it’s convenience at your fingertips.

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Mor

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MortgagesThe time may have come for you to renew your mortgage, or maybe you have decided to reinvest in your home by doing some minor (or major) renovations.

Fixed Rate Mortgage Have the peace of mind of knowing your interest rate and mortgage payments will not change during the term chosen.

Variable Rate Mortgage The interest rate varies during your term to reflect market conditions.

High Ratio Mortgage Buy a home with as little as 5% down when insured by CMHC

Go Green Mortgage We offer members a lower interest rate for renovating purposes or for any new build of an energy efficient home.

Meritline Home Equity Line-of-Credit Meritline offers you the ability to use the equity in your homes to secure a line of credit at an advantageous interest rate.

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Loan

s

LoansWe have the loans that can help you own your dream car or your own home sooner.

Fully Secured Loan Receive a lower interest rates for securing a loan with cash on deposit, term deposits, GIC, or Canada Savings Bonds.

Car Loan Obtain a very competitive interest rate when purchasing your next vehicle.

Personal Fixed Rate Loans The easy way to pay for your large purchases and projects.

Bridge Loans A loan to cover an interval between two transactions, typically the buying of one house and selling another.

Speedy RRSP Loans Invest your funds into a registered plan with borrowed money quickly and effortlessly.

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Line

s of

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dit &

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ards

Lines of CreditPersonal Line of Credit You’ll receive a revolving loan that allows you to borrow without having to continually reapply for new loans.

Student Line of Credit Students receive a revolving loan with a lower interest rate - this allows them to borrow without having to continually reapply for new loans.

Overdraft Protection A line of credit attached to your chequing account.

Credit CardsWe offer a wide range of CUETS MasterCards.

There are No-Fee, Low-Fee, and Student options if you’re looking to save, or Gold and Platinum cards for those of you looking to earn more Choice Rewards® on every purchase.

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Dep

osit

Ser

vice

s Your Credit Union is committed to providing

a full complement of deposit products and

comprehensive financial plans, as well as

preferred share options and payroll services

to suit your needs.

Talk to one of our Member Service Officers

for planning advice or strategies to help you

manage your investments.

You can fill out a request online at

www.yourcu.com or call us toll free

at 1.800.379.7757

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HIS

A, S

hare

s &

Pay

roll

High Interest Savings AccountA HISA is designed for members looking for a daily interest rate account that pays out each month.

Preferred Share OfferingYour Credit Union offers all of its members the option to acquire shares. For more information on this program, please contact your local branch and speak to a Member Service Officer today to get started.

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, we can help you meet those goals. It’s the easiest way to ‘pay yourself’ first.

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Term DepositsRedeemable & Non-Redeemable These are investments available for a fixed period of time, where members can earn a higher rate of interest than regular savings accounts.

Index Linked This product offers an investment for a fixed period of time that pays a return based on the performance of a market Index. Index linked term deposits are available with non-registered funds and RRSPs.

Flexi Term Deposit An investment for a fixed period of time with the ability to withdraw up to 20% of the initial investment on the anniversary date. (Minimum $3,000 investment)

Benefits include the ability to reinvest 20% withdrawn on anniversary date and up to 10 business days after, a higher rate of interest than regular savings accounts, compounding features and a guaranteed rate of return.

Available in non-registered funds and registered funds.

Term

Dep

osits

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Mut

ual F

unds

Mutual FundsAt Your Credit Union, socially responsible investing is far more than just aligning investments with values, or simply investing in good companies. It is about making good companies better and building a better world, while achieving financial goals.

Through Ethical Funds and Northwest Funds, Your Credit Union is able to provide all of its members with strong, sustainable investment options that provide continuous growth with minimal risk.

Ethical Funds continues to be Canada’s leader in sustainable investing with:

• Over 20 years at the forefront of the SRI industry • Largest family of SRI funds • Largest team of in-house sustainability analysts • Offering a full lineup of standalone funds • Canada’s most proactive and comprehensive Shareholder engagement program —improving how companies do business

Northwest Select Portfolios allow YCU members to instantly access everything needed in an investment portfolio:

• Top quality funds • Expert fund managers • Strategic asset mix • Diversification for risk • Automatic rebalancing

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Tran

sact

ion

Ser

vice

s It’s all about accessibility.

In addition to the traditional savings and

chequing accounts, Your Credit Union makes

banking on the fly easy with a variety of online,

mobile and ATM options.

Do your banking in a branch, by phone,

online or mobile, or visit one of 40 local

ATM’s available to our member owners at

no charge. (Visit the The Exchange® ATM website

or download their handy app to find the nearest ATM

relative to your location.)

Your Credit Union makes personal banking

accessible any time, anywhere.

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Ban

king

Opt

ions

Banking Options Online Banking No matter where you are (at home, work, on the road) – online banking can conveniently fit within your schedule. Simply log in to our secure online banking system, and you will have access to all of your account information and transaction options (like E-mail Money Transfers) at your fingertips.

Mobile Banking Your Credit Union’s Mobile website gives you access to your accounts in real-time. You no longer need to run to a computer to check account balances. Our secure mobile banking platform works on all text-enabled phones, regardless of the brand.

ATM Exchange Network Your Credit Union offers convenient access to your accounts through THE EXCHANGE® Network at over 2,300 no-fee full-service ATMs across Canada, without paying additional surcharges.

For information on locating ATMs in your area, please go to www.yourcu.com or if you have a Smartphone, download THE EXCHANGE® Network’s mobile app for free.

Telephone Banking You can still call and access your accounts over the phone using our automated system. Simply call 1.855.231.5400 and follow the prompts given once you’ve connected.

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Che

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Chequing AccountsOur signature chequing account was developed for members who want to perform day-to-day banking transactions like getting groceries and gas, going to dinner and a movie, paying bills, or transferring money to family and friends.

Your Chequing Account allows you to do all of your day-to-day banking easily and conveniently. This will end up being the ONLY chequing account you’ll ever need!

Your Chequing Account offers three unique service options:

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

• A $10 Intermediate Package

• A $15 Unlimited Package

NOTE: There is NO Package Fee for seniors (60+)

Chequing Clearing

Point of Sale Debits

Pre-authorized Debits

Utility Bill Payments

ATM

YCU/Exchange

All Others

Intermediate

Up to 5

Up to 20

Unlimited

Up to 3

Unlimited

$1.50 each

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

$1.50 each

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Sav

ings

Acc

ount

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Savings AccountsOur savings accounts give you options: the flexibility to save for those new boots or dream vacation in the short term, or the down payment for a house or new car in the long 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 so 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.

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Additional ServicesUS Savings Accounts We have a US savings account with no additional services fees available to you! Now you can build your US funds by making US cash deposits or by transferring money from your regular chequing or savings account.

Leave Accounts Geared towards individuals who work seasonally and for teachers, Your Credit Union’s Leave Account offers the full benefits of our traditional savings accounts, but with a deferred payment system. It’s a worry-free method to keep your financial future stable.

Safety Deposit Boxes The boxes can be used to safely store valuables that are not used on a daily basis. Access is limited to authorized signatures only. Small, medium, and large sized safety deposit boxes available at all of our branches.

Draft Guaranteed funds in a cheque form which is accepted as a substitute for cash. We also offer drafts in many foreign currencies for your convenience.

Wire Transfers A secured, quick, easy and worry free way to transfer funds in any currency, to any financial institution worldwide.

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Service ChargesThe Service Charges matrix makes it easy to see at a glance which services Your Credit Union provides and the fees attached to it. Pre-authorized debits ................................................ $ 0.60

Point of Sale direct payments ................................... $ 0.60

Utility Bill payments

Online/telephone banking ...................................... $ 0.55

Manual, including ATM .......................................... $ 1.00

ATM withdrawals

YCU/Exchange Network ATMs ............................. NONE

All other ATMs ....................................................... $ 1.50

Interac e-mail transfers ............................................. $ 1.00

HISA withdrawals/ transfers/payments ..................... $ 1.00

Cheque clearing ........................................................ $ 0.60

Certified cheque - member ........................................ $ 5.00

Certified cheque – non-member ................................ $ 20.00

Canadian and Foreign Currency Drafts ...................... $ 5.00

NSF cheque .............................................................. $ 35.00

Stop Payments .......................................................... $ 12.00

Post dated cheques ................................................. $ 1.00

Manual cheque clearing items .................................. $ 5.00

Transfers to cover overdraft ....................................... $ 5.00

Foreign funds on CDN $ account .............................. $ 20.00

Chargebacks ............................................................. $ 5.00

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Mis

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Miscellaneous Charges

Wires (incoming and outgoing)

CDN Funds ............................................................ $ 12.00

USD ................................................................... $ 14.50

Other Currencies ................................................... $ 17.00

Trace, recall, amendments ..................................... $ 25.00

Safety Deposit Boxes

Small ................................................................... $ 47.50

Medium ................................................................ $ 72.50

Large ................................................................... $ 132.50

Monthly Paper Statements ....................................... $ 1.50

RRSP/RIF/TFSA/RESP

Transfer to different FI ............................................ $ 50.00

Withdrawal by Member ......................................... $ 35.00

Dormant Account Fee – per year .............................. $ 20.00

Research, records search ......................................... $ 25 each

Bridge Loan Fee ........................................................ $150.00

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Chamberlain 14 Chamberlain Ave.Ottawa ONK1S 1V9613.238.8001

Centrepointe261 Centrepointe Dr.Ottawa ONK2G 6E8613.225.5654

Cornwall321 Second St. WestCornwall ONK6J 1G8613.932.7350