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Rates that are designed for your lifestyle.

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.

Featured Rates

4.70%

13-Month GIC
RRSP / TFSA Eligible

5.19%

Closed 3-Year
Mortgage

4.79%*

5-Year High Ratio
Mortgage Special

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.

US Daily Exchange Rate

US EXCHANGE RATESBUYSELL
US Cash1.33581.3924

Daily Banking a woman on a laptop

Daily Banking

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 1.75%
SMART SAVINGS RATE
$0 - $4,999 0.10%
$5,000 - $49,999 0.20%
$50,000 Plus+ 0.90%
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.

Tandia Residential Mortgages

Residential Mortgages

MORTGAGE SPECIALS  RATE
5 Year Closed High Ratio Fixed Rate Mortgage Special 4.79%
5 Year Closed Fixed Rate Mortgage Special 5.29%


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:

Click Here

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 5.19%
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:

Click Here

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:

Click Here

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 8.50%
Variable Rate 5 Year Closed 6.70%


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:

Click Here

For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.

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GIC Term Deposits

Eligible for non-registered accounts and registered RRSPs, RRIFs, TFSAs and RESPs
CASHABLE TERM DEPOSIT RATE
1 Year 3.00%

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 4.40%
18 Month Term Deposit 4.35%
Year 2 4.30%
Year 3 4.25%
Year 4 4.20%
Year 5 4.10%

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.

Registered Accounts

EVEST TFSA  RATE
Everyday Rate 1.75%

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 4.40%
18 Month TFSA 4.35%
2 Year TFSA 4.30%
3 Year TFSA 4.25%
4 Year TFSA 4.20%
5 Year TFSA 4.10%

Minimum $500, non-redeemable. Renews for same term at maturity.

CASHABLE TFSA  RATE
1 Year 3.00%

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

Click Here

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 3.00%

Minimum $500, cashable. Renews for same term at maturity.

1 - 5 YEAR NON-REDEEMABLE RESP  RATE
1 Year RESP 4.40%
18 Month RESP 4.35%
Year 2 RESP 4.30%
Year 3 RESP 4.25%
Year 4 RESP 4.20%
Year 5 RESP 4.10%

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 1.75%

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 3.00%

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 4.40%
18 Month RRSP 4.35%
2 Year RRSP 4.30%
3 Year RRSP 4.25%
4 Year RRSP 4.20%
5 Year RRSP 4.10%

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


For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
CASHABLE RRIF  RATE
1 Year 3.00%

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 4.40%
18 Month RRIF 4.35%
2 Year RRIF 4.30%
3 Year RRIF 4.25%
4 Year RRIF 4.20%
5 Year RRIF 4.10%

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.

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Index-Linked Term Deposits

Eligible for non-registered accounts and registered TFSAs and RRSPs

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 Aug 31, 2024 Aug 31, 2024
EFFECTIVE DATE Sep 6, 2024 Sep 6, 2024
MATURITY DATE Sep 14, 2027 Sep 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.

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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.

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We will help you tackle those financial problems, look at your goals and help you define your financial journey. Start listening!

 

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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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