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​Rates

We know you have a lot on your plate. So we do the homework and get you great rates. 


Rates

Welcome to great rates. Whether you're looking to pay your mortgage faster, need more flexibility or are just starting to shop around, rest assured we've got some great rates for you.

Featured Rates

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US Exchange
Residential Mortgages
Chequing
Savings
Business

US Exchange

Exchange 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.

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Residential Mortgages

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.

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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 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. 

Chequing Accounts

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.

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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.

Deposits insured by the Deposit Insurance Corporation of Ontario.  Deposits in registered plans are fully insured. Other Canadian dollar deposits are insured up to $250,000. For further information on deposit insurance, call DICO at 1.800.268.6653 or visit www.dico.com.


Savings Accounts

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.

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Rates are per annum and 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.

Deposits insured by the Deposit Insurance Corporation of Ontario.  Deposits in registered plans are fully insured. Other Canadian dollar deposits are insured up to $250,000. For further information on deposit insurance, call DICO at 1.800.268.6653 or visit www.dico.com.

Business Accounts

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.

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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.

Deposits insured by the Deposit Insurance Corporation of Ontario. Deposits in registered plans are fully insured. Other Canadian dollar deposits insured up to $250,000. For further information on deposit insurance, call DICO at 1.800.268.6653 or visit www.dico.com.

GIC - Term Deposits
TFSA
RRSP
RRIF
RESP

Term Deposits (GICs)

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.

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Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term deposit at maturity.

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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.

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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.

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Minimum $1,000, non-redeemable. Interest paid at maturity. Renews for same term at maturity.

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Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.

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Minimum $1,000 goal, cashable. Renews for 1 Year Cashable Term Deposit at maturity.

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

Tax Free Savings Accounts

Rates are stated per annum and 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.

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Interest is calculated on the closing daily balance and paid monthly.

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Interest is calculated on the closing daily balance and paid monthly.

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Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term at maturity.

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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.

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

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

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Minimum $500, non-redeemable. See Term Sheet for return calculation details. Renews for non-redeemable 1 year deposit at maturity.

S&P / TSX 60 Index-Linked TFSA


Interest rates are stated per annum and are subject to change without notice.

Unless otherwise noted, interest on TFSAs of 1 year or more is paid or compounded annually.

Deposits insured by the Deposit Insurance Corporation of Ontario.  Deposits in registered plans are fully insured.  Other Canadian dollar deposits insured up to $250,000.  For further information on deposit insurance, call DICO at 1.800.268.6653 or visit www.dico.com.

Registered Retirement Savings Plans

Rates are stated per annum and 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.

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Interest is calculated on the closing daily balance and paid monthly.

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

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Minimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable RRSP at maturity.

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Minimum $1,000, non-redeemable. Convertible to 4 or 5 year RRSP at any time. Renews for 1 year non-redeemable RRSP at maturity.

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Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.

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

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Interest is calculated on the closing daily balance and paid monthly.

Registered Retirement Income Funds

Rates are stated per annum and 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.

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Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable RRIF deposit at maturity.

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Minimum $1,000, non-redeemable. Convertible to 4 or 5 year RRIF deposit at any time. Renews for 1 year non-redeemable RRIF deposit at maturity.

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

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Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.

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

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Interest is calculated on the closing daily balance and paid monthly.

Registered Education Savings Plans

Rates are stated per annum and 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.

Tandia RESPs are administered in trust by Concentra Financial and statements are issued annually.

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

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Cashable with penalty. Renews for same term at maturity.

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S&P / TSX 60 Index-Linked Term Deposits/TFSA/RRSP

TermSales end:Effective date:Maturity date:Participation rate:
3 Years Dec 31/19
Jan 7/20
Jan 13/23
75.00%
5 Years Dec 31/19
Jan 7/20
Jan 15/25
125.00%

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 subject to change at any time without notice. 

Unless otherwise noted, interest on term deposits of 1 year or more is paid or compounded annually.
Unless otherwise noted, interest on RRSP terms of 1 year or more is paid or compounded annually.
​Unless otherwise noted, interest on RESP deposits of 1 year or more is paid or compounded annually.

Deposits insured by the Deposit Insurance Corporation of Ontario.  Deposits in registered plans are fully insured.  Other Canadian dollar deposits insured up to $250,000.  For further information on deposit insurance, call DICO at 1.800.268.6653 or visit www.dico.com.

Questions about our rates?

Get in touch at any time because at Tandia, your voice is the most important one.

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Help us spread the word about Tandia to your family, friends and co-workers and we’ll reward both you and the person you refer with $25 cash*. ​

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We are here for you

We encourage you to get in touch at any time, whether it’s with a question about our business or a comment on how we might be able to better serve you. After all, at Tandia, your voice is the most important one.

1.800.598.2891

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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.


Member of the Deposit Insurance Corporation of Ontario. ™ DirecTCU is a trademark of the Canadian Credit Union Association and is used under license. Tandia Financial Credit Union Limited operating as Tandia™



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