Rates
Let us do the homework and
get you the best rates.
At Tandia we take pride in offering our Members great rates.
You work hard for your money and deserve nothing less.
Let us do the homework and
get you the best rates.
Whether you're looking to pay off your mortgage faster, need more flexibility or are just starting to shop around - we've got great rates that fit your needs.
* Minimum $500, non-redeemable. TFSA, RRSP and RRIF eligible. 15-Month GIC is for new and existing deposits, limited time only. Rates are subject to change at any time without any notice.
11-Month GIC
RRSP / TFSA Eligible
5-Year GIC
RRSP / TFSA Eligible
5-Year Closed High Ratio Fixed Rate Mortgage Special
1-Year Cashable
Term Deposit
For more information about Tandia's interest rates, visit your branch, call our
Member Solutions Centre: 1-800-598-2891 or contact us.
Rates are subject to change at any time without notice.
LIMITLESS PLAN | RATE |
---|---|
$0 - $1,000 | 0.00% |
$1,000 Plus+ | 0.00% |
LIMITLESS 60 PLAN | RATE |
---|---|
$0 - $1,000 | 0.00% |
$1,000 Plus+ | 0.00% |
LIMITLESS STUDENT PLAN | RATE |
---|---|
$0 - $1,000 | 0.00% |
$1,000 Plus+ | 0.00% |
A-LA-CARTE PLAN | RATE |
---|---|
$0 - $1,000 | 0.00% |
$1,000 Plus+ | 0.00% |
U.S. CONVENIENCE PLAN | RATE |
---|---|
$0 - $1,000 | 0.00% |
$1,000 Plus+ | 0.00% |
Rates are subject to change at any time without notice.
Interest on overdrawn accounts is calculated daily on the closing overdrawn amount and compounds monthly.
At Tandia Financial Credit Union, eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).
Learn more about Tandia Chequing Accounts
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
EVEST ACCOUNT - ONLINE ONLY | RATE |
---|---|
Everyday Rate | 2.00% |
SMART SAVINGS | RATE |
---|---|
$0 - $4,999 | 0.20% |
$5,000 - $49,999 | 0.30% |
$50,000 Plus+ | 1.25% |
TIERED INTEREST SAVINGS | RATE |
---|---|
$0 - $4,999 | 0.05% |
$5,000 - $9,999 | 0.05% |
$10,000 - $24,999 | 0.10% |
$25,000 - $59,999 | 0.15% |
Portion $60,000 Plus+ | 0.25% |
YOUTHSAVERS ACCOUNT | RATE |
---|---|
(ages 5 - 17) | 0.50% |
Rates are subject to change at any time without notice. Interest on personal savings accounts is calculated on the closing daily balance and is paid monthly, excepting Regular Savings (grandfathered), calculated on the minimum monthly balance and paid monthly.
At Tandia Financial Credit Union, eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).
Learn more about Tandia Savings Accounts
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
BUSINESS SAVINGS | RATE |
---|---|
$0 - $49,999 | 0.50% |
$50,000 - $249,999 | 0.75% |
$250,000 - $999,999 | 1.00% |
$1,000,000 Plus+ | 1.25% |
BUSINESS PAYASYOU GO, ESSENTIALS AND PRESTIGE ACCOUNTS | RATE |
---|---|
$2,000 - $9,999 | 0.10% |
$10,000 - $99,999 | 0.25% |
$100,000 Plus+ | 0.50% |
BUSINESS BOOKKEEPER (GRANDFATHERED) | RATE |
---|---|
$1,000 - $4,999 | 0.05% |
$5,000 Plus+ | 0.05% |
COMMUNITY BUILDER AND JUST 4 SCHOOLS ACCOUNTS | RATE |
---|---|
For non-profit organizations and schools only | 0.05% |
Rates are subject to change at any time without notice. Interest on business chequing and savings accounts is calculated on the closing daily balance and is paid monthly.
At Tandia Financial Credit Union, eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).
Learn more about Tandia Business Accounts
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
MORTGAGE SPECIALS | RATE |
---|---|
5 Year Closed High Ratio Fixed Rate Mortgage Special | 4.99% |
5 Year Closed Fixed Rate Mortgage Special | 5.59% |
Each interest rate is stated as an Annual Percentage Rate (APR) assuming there is no cost of borrowing other than interest. Legal fees would increase the APR. Special Rate Mortgages are not Tandia posted rates; the high-ratio rate special is based on a high ratio mortgage where a borrower places a down payment of less than 20% of the purchase price of the home. Additional rate premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Interest on Fixed Rate Mortgages is calculated on a semi-annual basis, not in advance. Interest on Variable Rate Mortgages is compounded on a monthly basis. Mortgage applications are subject to credit approval based on Tandia's credit granting criteria. Rates subject to change at any time without notice.
To learn more about Tandia mortgages:
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES | RATE |
---|---|
6 Month Closed Mortgage | 7.99% |
1 Year Closed Mortgage | 7.49% |
2 Year Closed Mortgage | 7.34% |
3 Year Closed Mortgage | 5.69% |
4 Year Closed Mortgage | 6.79% |
5 Year Closed Mortgage | 6.49% |
Each interest rate is stated as an Annual Percentage Rate (APR) assuming there is no cost of borrowing other than interest. Legal fees would increase the APR. Special Rate Mortgages are not Tandia posted rates; the high-ratio rate special is based on a high ratio mortgage where a borrower places a down payment of less than 20% of the purchase price of the home. Additional rate premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Interest on Fixed Rate Mortgages is calculated on a semi-annual basis, not in advance. Interest on Variable Rate Mortgages is compounded on a monthly basis. Mortgage applications are subject to credit approval based on Tandia's credit granting criteria. Rates subject to change at any time without notice.
To learn more about Tandia mortgages:
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
FIXED STANDARD OPEN RESIDENTIAL MORTGAGES | RATE |
---|---|
6 Month Open Mortgage | 9.25% |
1 Year Open Mortgage | 8.00% |
Each interest rate is stated as an Annual Percentage Rate (APR) assuming there is no cost of borrowing other than interest. Legal fees would increase the APR. Special Rate Mortgages are not Tandia posted rates; the high-ratio rate special is based on a high ratio mortgage where a borrower places a down payment of less than 20% of the purchase price of the home. Additional rate premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Interest on Fixed Rate Mortgages is calculated on a semi-annual basis, not in advance. Interest on Variable Rate Mortgages is compounded on a monthly basis. Mortgage applications are subject to credit approval based on Tandia's credit granting criteria. Rates subject to change at any time without notice.
To learn more about Tandia mortgages:
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
VARIABLE MORTGAGES | RATE |
---|---|
Variable Rate 1 Year Open | 8.75% |
Variable Rate 5 Year Closed | 6.95% |
Each interest rate is stated as an Annual Percentage Rate (APR) assuming there is no cost of borrowing other than interest. Legal fees would increase the APR. Special Rate Mortgages are not Tandia posted rates; the high-ratio rate special is based on a high ratio mortgage where a borrower places a down payment of less than 20% of the purchase price of the home. Additional rate premiums may apply in cases of a refinance, extended amortizations, non-owner occupied, or other instances where application details may warrant it. Interest on Fixed Rate Mortgages is calculated on a semi-annual basis, not in advance. Interest on Variable Rate Mortgages is compounded on a monthly basis. Mortgage applications are subject to credit approval based on Tandia's credit granting criteria. Rates subject to change at any time without notice.
To learn more about Tandia mortgages:
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
CASHABLE TERM DEPOSIT | RATE |
---|---|
1 Year | 4.25% |
Minimum $500, cashable. Renews for same term at maturity.
PAYDAY TERM DEPOSIT | RATE |
---|---|
1 Year | 0.90% |
Minimum $1,000 goal, cashable. Renews for 1 Year Cashable Term Deposit at maturity.
Rates are subject to change at any time without notice.
Learn more about Tandia Term Deposits
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
NON-REDEEMABLE SHORT TERM DEPOSITS | RATE |
---|---|
30 - 59 Days | 2.20% |
60 - 89 Days | 2.40% |
90 - 179 Days | 2.45% |
180 - 269 Days | 2.50% |
270 - 364 Days | 2.65% |
Minimum $1,000, non-redeemable. Interest paid at maturity. Renews for same term at maturity.
NON-REDEEMABLE LONG TERM DEPOSITS | RATE |
---|---|
1 Year Term Deposit | 4.50% |
18 Month Term Deposit | 4.55% |
Year 2 | 4.50% |
Year 3 | 4.25% |
Year 4 | 4.25% |
Year 5 | 4.25% |
Minimum $500, youth/trust $100, non-redeemable. Semi-annual or monthly interest payments (min. $5,000) available at slightly lower rates. Renews for same term at maturity.
3 YEAR PREMIUM STEP TERM DEPOSIT | RATE |
---|---|
Year 1 | 4.60% |
Year 2 | 4.15% |
Year 3 | 4.00% |
Effective Yield | 4.25% |
Minimum $1,000, non-redeemable. Convertible to 4 or 5 year term deposit at any time. Renews for 1 year non-redeemable term deposit at maturity.
5 YEAR STEP TERM DEPOSIT | RATE |
---|---|
Year 1 | 4.75% |
Year 2 | 4.25% |
Year 3 | 4.00% |
Year 4 | 4.25% |
Year 5 | 4.55% |
Effective Yield | 4.36% |
Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term deposit at maturity.
US SHORT TERM NON-REDEEMABLE TERM DEPOSITS | RATE |
---|---|
30 - 59 Days | 0.05% |
60 - 89 Days | 0.10% |
90 - 179 Days | 0.15% |
180 - 269 Days | 0.35% |
270 - 364 Days | 0.40% |
Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.
Rates are subject to change at any time without notice.
Learn more about Tandia Term Deposits
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
EVEST TFSA | RATE |
---|---|
Everyday Rate | 2.00% |
Interest is calculated on the closing daily balance and paid monthly.
SMART TAX FREE SAVINGS ACCOUNT | RATE |
---|---|
TFSA Smart Savings Under $5,000 | 0.65% |
TFSA Smart Savings $5,000 to $49,999 | 0.70% |
TFSA Smart Savings $50,000 Plus+ | 1.35% |
Interest is calculated on the closing daily balance and paid monthly.
3 YEAR PREMIUM STEP TFSA | RATE |
---|---|
Year 1 | 4.60% |
Year 2 | 4.15% |
Year 3 | 4.00% |
Effective Yield | 4.25% |
Minimum $1,000, non-redeemable. Convertible to a 4 or 5 year term at any time. Renews for 1 year non-redeemable term at maturity.
5 YEAR STEP TFSA | RATE |
---|---|
Year 1 | 4.75% |
Year 2 | 4.25% |
Year 3 | 4.00% |
Year 4 | 4.25% |
Year 5 | 4.55% |
Effective Yield | 4.36% |
Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term at maturity.
LONG TERM NON-REDEEMABLE TFSA | RATE |
---|---|
1 Year TFSA | 4.50% |
18 Month TFSA | 4.55% |
2 Year TFSA | 4.50% |
3 Year TFSA | 4.25% |
4 Year TFSA | 4.25% |
5 Year TFSA | 4.25% |
Minimum $500, non-redeemable. Renews for same term at maturity.
CASHABLE TFSA | RATE |
---|---|
1 Year | 4.25% |
Minimum $500, cashable. Renews for same term at maturity.
PAYDAY TFSA | RATE |
---|---|
1 Year | 0.90% |
Minimum $1,000, non-redeemable. See Term Sheet for return calculation details. Renews for non-redeemable 1 year deposit at maturity.
Interest rates are stated per annum and are subject to change without notice. Unless otherwise noted, interest on TFSA's of 1 year or more is paid or compounded annually.
At Tandia Financial Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).
Learn more about Tandia TFSA's
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
RESP VARIABLE SAVINGS | RATE |
---|---|
No minimum | 0.25% |
Interest calculated on closing daily balance, paid semi-annually.
1 YEAR CASHABLE RESP | RATE |
---|---|
Minimum $500 | 4.25% |
Minimum $500, cashable. Renews for same term at maturity.
1 - 5 YEAR NON-REDEEMABLE RESP | RATE |
---|---|
1 Year RESP | 4.50% |
18 Month RESP | 4.55% |
Year 2 RESP | 4.50% |
Year 3 RESP | 4.25% |
Year 4 RESP | 4.25% |
Year 5 RESP | 4.25% |
Minimum $500, non-redeemable. Renews for same term at maturity.
Rates are subject to change at any time without notice.
Learn more about Tandia RESP's
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
EVEST RRSP | RATE |
---|---|
Everyday Rate | 2.00% |
Interest is calculated on the closing daily balance and paid monthly.
RRSP TIERED INTEREST SAVINGS | RATE |
---|---|
$0 - $4,999 | 0.05% |
$5,000 - $9,999 | 0.10% |
$10,000 - $24,999 | 0.25% |
$25,000 - $59,999 | 0.40% |
Portion $60,000 Plus+ | 0.50% |
Interest is calculated on the closing daily balance and paid monthly.
CASHABLE RRSP | RATE |
---|---|
1 Year | 4.25% |
Minimum $500, cashable. Renews for same term at maturity.
SHORT TERM NON-REDEEMABLE RRSPS | RATE |
---|---|
90 - 179 days TFSA | 2.45% |
180 - 269 days | 2.50% |
270 - 364 days | 2.65% |
Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.
1 - 5 YEAR NON-REDEEMABLE RRSPS | RATE |
---|---|
1 Year RRSP | 4.50% |
18 Month RRSP | 4.55% |
2 Year RRSP | 4.50% |
3 Year RRSP | 4.25% |
4 Year RRSP | 4.25% |
5 Year RRSP | 4.25% |
Minimum $500, non-redeemable. Renews for same term at maturity.
PREMIUM 3 YEAR STEP RRSP | RATE |
---|---|
Year 1 | 4.60% |
Year 2 | 4.15% |
Year 3 | 4.00% |
Effective Yield | 4.25% |
Minimum $1,000, non-redeemable. Convertible to a 4 or 5 year term at any time. Renews for 1 year non-redeemable term at maturity.
5 YEAR STEP RRSP | RATE |
---|---|
Year 1 | 4.75% |
Year 2 | 4.25% |
Year 3 | 4.00% |
Year 4 | 4.25% |
Year 5 | 4.55% |
Effective Yield | 4.36% |
Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term at maturity.
Rates are subject to change at any time without notice.
Learn more about Tandia RRSP's
CASHABLE RRIF | RATE |
---|---|
1 Year | 4.25% |
Minimum $500, cashable. Renews for same term at maturity.
SHORT TERM NON-REDEEMABLE RRIFS | RATE |
---|---|
90 - 179 days RRIF | 2.45% |
180 - 269 days | 2.50% |
270 - 364 days | 2.65% |
Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.
3 YEAR PREMIUM STEP RRIF | RATE |
---|---|
Year 1 | 4.60% |
Year 2 | 4.15% |
Year 3 | 4.00% |
Effective Yield | 4.25% |
Minimum $1,000, non-redeemable. Convertible to a 4 or 5 year term at any time. Renews for 1 year non-redeemable term at maturity.
5 YEAR STEP RRIF | RATE |
---|---|
Year 1 | 4.75% |
Year 2 | 4.25% |
Year 3 | 4.00% |
Year 4 | 4.25% |
Year 5 | 4.55% |
Effective Yield | 4.36% |
Minimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term at maturity.
1-5 YEAR NON-REDEEMABLE RRIFS | RATE |
---|---|
1 Year RRIF | 4.50% |
18 Month RRIF | 4.55% |
2 Year RRIF | 4.50% |
3 Year RRIF | 4.25% |
4 Year RRIF | 4.25% |
5 Year RRIF | 4.25% |
Minimum $500, non-redeemable. Renews for same term at maturity.
Rates are subject to change at any time without notice.
At Tandia Financial Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).
Learn more about Tandia RRIF's
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
If you’re looking for a safe investment that also brings the potential for higher returns, an Index-Linked Term Deposit may be a great option for you. The performance of an Index-Linked Term Deposit is linked to a specific market index or group of stocks, which means that your principal investment is 100% guaranteed and you may also benefit from the higher returns that a market investment can provide.
Features and Benefits of an Index-Linked Term Deposit:
Minimum $500 initial deposit • Available in 3 and 5-year terms • Principal investment is 100% guaranteed
No fees or commissions • Potentially higher return is tied to the stock market
TERM | 3 Year | 5 Year |
---|---|---|
SALE END | Apr 30, 2024 | Apr 30, 2024 |
EFFECTIVE DATE | May 6, 2024 | May 6, 2024 |
MATURITY DATE | May 14, 2027 | May 14, 2029 |
75% | 125% |
Minimum $500, non-redeemable. See Term Sheet for return calculation details. Renews for non-redeemable 1 year deposit at maturity. Interest rates are stated per annum and are subject to change at any time without notice. Unless otherwise noted, interest on registered and non-registered terms of 1 year or more is paid or compounded annually.
At Tandia Financial Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).
Rates are subject to change at any time without notice.
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
Whether you're looking to invest, borrow or save, Tandia provides personal and customized access to daily banking, financial products and wealth management services. We are here to help you achieve your financial goals.
At Tandia we have a range of investment products that can help you reach your financial goals. We have a full complement of traditional investment products that can be held within or outside of a registered plan.
No matter what stage of life you are in or how much money you have to invest - we are here to work with you and help your savings grow.
Listen to our weekly Podcast that answers all your burning questions about money. We’re here to make money more relatable, with take-action tips to help you create the life you want.
We will help you tackle those financial problems, look at your goals and help you define your financial journey. Start listening!
Our representatives are ready-when-you-are to help with investment questions, advice and solutions. We can meet you where and how you want to meet. We are available by email, by phone, in person, or by video conferencing.
Get in touch with us at any time, whether it’s a question about our services or a comment on how we can do things better. Your voice is number one at Tandia.
To report a lost or stolen MEMBER CARD® debit card during regular business hours, call 1-800-598-2891 after hours please call 1-888-277-1043.