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For over 50 years, Fort York
Community Credit Union has offered financial products that
meet the every day and long term needs of over members. And
while products can change, our level of outstanding service
never has and, never will change. Our personal caring services
is why generations of the same family have remained members,
while other members remain with us when they leave the city or
province.
The Deposit
Insurance Corporation of Ontario (DICO)
DICO provides deposit protection for all eligible deposits held
at Ontario credit unions. read
more
Payroll Deduction
Deposit
Pay Yourself First! As little as $5.00 per pay can be
directly deposited in a savings account.
Full Pay Deposit
Deposit your full pay into the credit union and we will
distribute your pay as per your instructions at no cost.
Whichever deposit type you choose, it’s important to pay
yourself first and save for that unexpected emergency, your
senior days, a vacation, a child’s education, a computer, or
even a well deserved shopping spree.
FREE NET BANKING
NET BANKING allows any member with access to the Internet to
perform a wide variety of transactions including checking
balances, transferring funds, and paying bills
electronically...and it's FREE. Call us at
(416) 530-6474 to get setup with a User ID and Password!
Chequing Accounts
No fees with a minimum balance of $1,000. Monthly flat fee
package plan available. Statements sent out monthly to your
workplace or home at no cost.
Savings
Accounts
Pay yourself first by setting up an automatic savings
program through payroll deduction. FYCCU’s Savings Account is
perfect for saving for those special events in life without
having to tie up your money in one of our term deposit products.
You can make unlimited withdrawals, transfers, or deposits on
this account.
Interac/Debit Card
Access your money from any bank machine in the world. Fee of
$1.25 for each ATM withdrawal, and 50 cents for each debit card
purchase or free if $1,000 on deposit.
Bill Payments
We will accept payments for all major credit cards,
department store cards, as well as utilities, taxes, etc.
Payments can be made directly from your account. The cost is
$1.00 for members & $2.00 for non-members or no cost if $1,000
on deposit.
Automatic Bill Payments
You can arrange bills to be paid automatically each month
from your chequing account by simply sending your service
provider a void cheque from your account at the Credit Union.
Cost of 55 cents for each transaction, or no cost if $1000 on
deposit.
Credit Union
Mastercard
A variety of fee and no-fee Mastercards are available to
meet your individual needs. Collect points toward travel or
merchandise. Payments can be directly from your account at no
cost.
RRSP’S & RESP’S
Available on payroll deduction. Available in variable and fixed
rate deposits. A great way to safeguard your retirement years,
also to save for your children’s education and earn a government
grant.
TFSA (Tax Free
Savings Account)
The new Tax-Free Savings Account (TFSA) is a flexible,
registered general-purpose savings vehicle that allows Canadians
to earn tax-free investment income to more easily meet lifetime
savings needs. The TFSA complements existing registered savings
plans like the Registered Retirement Savings Plans (RRSP) and
the Registered Education Savings Plans (RESP).
Learn more.
Term Deposits
Fixed rate terms for minimum deposits of $1,000 from 1 year
to 5 years. Fixed rate terms for minimum deposits of $2,000 +
from 30 days to 5 years.
Fall & Spring
Savers
Available November 1st & May 1st paying 1/4% higher than
CSB’s & 1 Year GIC’s. Minimum deposit $100.
Certified Financial
Planner
Will provide personal, private and confidential Financial
Counseling, at no cost nor obligation . We also offer:
Retirement Planning, Education Savings Planning, Term Life
Insurance Protection and Disability Insurance Plans.
Travel Insurance
1 million dollars worth of coverage available at a cost of
$1.20 per day in all countries except the U.S. and $2.00 per day
in the United States. Family rates also available. Some
conditions apply.
Home/Life/Auto Insurance
Competitive rates available.
Loans For All Occasions
Personal or Business Loans, Overdraft Protection, Unsecured
Lines of Credit, Secured Lines of Credit, Mortgages & Bridge
Financing.
Mortgages
We have Competitive Interest Rates, with 6 month to 5 year
terms available. Fixed Rate structured mortgage repayments,
First & Second Mortgages, Bridge Financing. Conventional and
high risk insured. Also available, Variable Rate lines of credit
allowing you to easily access the equity in your home at any
time.
Other Services
No Fee: Budget Counseling.
No Fee: To Repair Poor Credit Rating.
No Fee: To assist First Time Home Buyers.
Home Equity Lines of
Credit
A great way to use the equity in your home to help children and
grandchildren, consolidate debt, renovate pay for university
fees, or take that trip of a lifetime. Minimum loan $10,000 and
over.
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