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It's RRSP time, let's get your money working for you.

Watch your savings grow stress-free with our 5.25% 15-month GIC special. Set up an appointment at your nearest Tandia branch or apply online from anywhere. Relax and breathe deep - we’ve got you covered.

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We are here to help you start saving and ensure you have what you need for a strong financial future.

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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.

General inquiries

If you have any questions regarding your account, our products, general concerns, a technical issue or if you wish to book an appointment, please call us.

Member Solutions Centre:
 1-800-598-2891 (press 1)

Messages left after regular business hours will be responded to on the next business day.


What is a GIC?

Guaranteed Investment Certificates (GICs) and term deposits are secured investments. This means that you get back the amount you invest at the end of your term. The key difference between a GIC and a term deposit is the length of the term. Term deposits generally have shorter terms than GICs.

Are GICs safe places to put your money?

Yes, GICs are considered to be extremely safe. They are classified as low risk investments. In the past GICs often paid out less amounts than other types of investments. However due to rapidly rising interest rates this has now quickly changed. Having a GIC provides you the ability to earn a decent return over a relatively short period of time without any risk of losing your money.

Interested in learning more about GICs?
Read our blog article: GICs - Where Safe Meets Smart

Its no secret that the economy has left us all feeling a bit uneasy. It may be hard to visualize a great option for your savings right now. But worry not, we’ve got the solution! Tandia GICs are safe and secure, and offer a great (and guaranteed!) return. No matter your age or stage of life, feel confident that you’re making a wise move for your money with a Tandia GIC.


Watch our RRSP vs TFSA video
and read our blog

Navigating the world of personal finance can sometimes feel like choosing between binge-worthy TV shows. In the realm of investment, two prominent players, RRSPs, and TFSAs, vie for your attention, offering distinct advantages tailored to your financial journey. Learn about the difference between the two options and find out the perfect fit to achieving your financial goals.

RRSP COUPLE

 

The Importance of an RRSP

A Registered Retirement Savings Plan (RRSP) is a savings plan, registered with the government, to help Canadians save for their retirement. Funds put into an RRSP are “tax-advantaged”, meaning they are exempt from being taxed in the year you make the contribution. Having an RRSP, and contributing to it regularly, is an important way to prepare for your future – and the earlier you start, the better. Any income you earn in an RRSP is usually exempt from tax as long as the funds remain in the plan, with tax needing to be paid only when receiving payments from the plan.

TFSA COUPLE

 

What's a TFSA?

A Tax-Free Savings Account (TFSA) is a government-registered savings account that can help you build your savings tax-free. Within a TFSA you can hold qualified investments - including ones that could generate interest - as well as capital gains and dividends tax-free. Each year, the Government of Canada determines the maximum amount a holder of a TFSA can contribute that year, and any unused contribution room accumulates each year. TFSAs are a great option to help you work towards your individual goals.

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Earn a higher return on your savings

Tandia is pleased to offer members a wide range of market-competitive fixed rate term deposits with terms from 30 days to 5 years. Some fixed rate term deposits are eligible to be held in registered plans, depending on the term selected. Interest is guaranteed for the term and at maturity the deposit is reinvested into a similar term unless otherwise instructed by the member.


At Tandia Financial Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).
Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

Investing in Tomorrow with an RRSP

We all know that saving for the future and your retirement is important. But determining the best way to start and making sense of your options can feel overwhelming. At Tandia we know the ins-and-outs and can help you decide if an RRSP (Registered Retirement Savings Plan) is what you need!

Your Secret Weapon for Savings - All About TFSAs

You probably know that TFSA stands for Tax-Free Savings Account, but do you know how it can work for you? A TFSA is a savings account that allows you to earn investment income (such as interest and dividends) tax-free.

Investing in Yourself: Level Up Your Finances with An Advisor.

Want to start saving for your future but don’t know where to start? Feel like you need a crystal ball to make wise financial decisions? Working with an advisor isn’t just for the rich and famous – their advice is something everyone can benefit from!

Get ready for a unique experience.

We believe in providing better service, exceptional rates and a co-operative business model that puts our members first, not just profits. At Tandia, you’ll be treated as an individual, not a number – you're our friend and neighbour from down the street.

More about Credit Unions

A credit union is a community based financial institution that accepts deposits, makes loans, and provides a wide array of other financial services and products.

Credit unions are among the country’s soundest financial institutions. At credit unions your deposits are safe and protected.

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!

Tandia speak to a financial expert
 

Meet with a Financial Expert

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.

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