About Us Online Banking Careers Becoming a Member Your Community Rates Contact Us Personal Business Wealth Management Planning + Advice PERSONAL INVESTING COMBINATION SAVINGS Banking Borrowing Investing Tax Free Savings Term Deposits Combination Savings RRSPs RESPs RRIFs Class A Shares Team Deposit Special Responsible Investments Mastercard® Mortgages Tools and Calculators Combination Savings There when you need it. Growing when you don't. Combining the earning power of a GIC with the flexibility of a savings account! How it works The Combination Savings Account is only available for new deposits during limited-time sales periods. To qualify for the rate offer, all you have to do is maintain a minimum balance of $5000. Special rates unlock every three months, and you can access your money any time. Special Rate For every 3-month period that you’re able to keep a minimum of $5000 saved, the Combination Savings Account pays a special rate. Interest is calculated daily on the closing balance, and paid monthly to your account. The offer rate is paid for a specific term following the sales period, and new special rates are unlocked every three months, so start saving! Tiers Rate $0 - $4,999 0.05% $5,000 - $99,999 0.70% $100,000 - $249,999 0.80% $250,000 - $499,999 0.85% $500,000 + 0.90% Transactions, Withdrawals & Deposits You can open a Combination Savings account any time during a sales period, and can make deposits in the branch, online, by e-transfer or wire transfer. The account is intended to be used as a flexible addition to your savings portfolio, and you can use it to make bill payments, online transfers to other YNCU accounts, or withdrawls at any time. Some conditions apply, please contact us for more details. Some Restrictions Apply *The marginally tiered bonus rate applies to a minimum balance of $5,000. If the balance drops below $5,000 during the period, the interest rate that will be paid is 0.05%. Certain transactions are not allowed including loan payments, ATM access, debit card transactions, and transfers to accounts at other financial institutions. APPLY TODAY > Find Branch/ATM Enter address, postal code or branch name List All Branches | Search Tips Privacy Legal Site Map Accessibility Unsubscribe Media Centre Mobile Site 2019 Your Neighbourhood Credit Union Limited. All rights reserved. Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. The Financial Services Regulatory Authority of Ontario (FSRAO) provides insurance coverage for our member's deposits.