Rates

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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

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.

List of rates for Foreign Exchange Rates
Foreign Exchange Rates	Buy Rate	Sell Rate
US Cash	1.3057	1.2491

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.

List of rates for MORTGAGE SPECIAL
MORTGAGE SPECIAL	Rate
5 Year Closed High Ratio Fixed Rate Mortgage	2.35

List of rates for FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES
FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES	Rate
6 Month Closed Mortgage	4.50
1 Year Closed Mortgage	2.59
2 Year Closed Mortgage	2.69
3 Year Closed Mortgage	2.79
4 Year Closed Mortgage	3.20
5 Year Closed Mortgage	4.15

List of rates for FIXED STANDARD OPEN RESIDENTIAL MORTGAGES
FIXED STANDARD OPEN RESIDENTIAL MORTGAGES	Rate
6 Month Open Mortgage	6.95
1 Year Open Mortgage	6.95

List of rates for FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES - POSTED RATES
FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES - POSTED RATES	Rate
1 Year Closed Mortgage	2.77
2 Year Closed Mortgage	2.90
3 Year Closed Mortgage	3.46
4 Year Closed Mortgage	3.99
5 Year Closed Mortgage	4.75

^ Posted Rates are provided as a reference for market comparison purposes (Average of the 5 major bask’ posted rates) and prepayment penalty calculation.

List of rates for VARIABLE MORTGAGES
VARIABLE MORTGAGES	Rate
Variable Rate 1 Year Open	4.35
Variable Rate 5 Year Closed	3.35

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.

List of rates for OVERDRAFT PROTECTION
OVERDRAFT PROTECTION	Rate
authorized	19.45
Unauthorized Overdraft	20.45

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.

Financial Services Regulatory Authority of Ontario’s (FSRA) deposit insurance program protects insurable deposits held with Ontario credit unions and caisses populaires. Learn more

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.

List of rates for EVEST ACCOUNT - ONLINE ONLY
EVEST ACCOUNT - ONLINE ONLY	Rate
Everyday Rate	0.40

List of rates for SMART SAVINGS
SMART SAVINGS	Rate
$0 - $4,999	0.20
$5,000 - $49,999	0.30
$50,000 Plus	0.40

List of rates for TIERED INTEREST SAVINGS
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

List of rates for US DAILY INTEREST SAVINGS
US DAILY INTEREST SAVINGS	Rate
Portion $3,000 Plus	0.01

List of rates for YOUTHSAVERS ACCOUNT
YOUTHSAVERS ACCOUNT	Rate
(ages 5 - 17)	0.50

List of rates for REGULAR SAVINGS
REGULAR SAVINGS	Rate
(grandfathered)	0.15

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.

Financial Services Regulatory Authority of Ontario’s (FSRA) deposit insurance program protects insurable deposits held with Ontario credit unions and caisses populaires. Learn more

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.

List of rates for BUSINESS SAVINGS
BUSINESS SAVINGS	Rate
$0 - $49,999	0.50
$50,000 - $249,999	0.75
$250,000 - $999,999	1.00
$1,000,000+	1.25

List of rates for BUSINESS PAYASYOU GO, ESSENTIALS AND PRESTIGE ACCOUNTS
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

List of rates for BUSINESS BOOKKEEPER (GRANDFATHERED)
BUSINESS BOOKKEEPER (GRANDFATHERED)	Rate
$1,000 - $4,999	0.05
$5,000 Plus	0.05

List of rates for COMMUNITY BUILDER AND JUST 4 SCHOOLS ACCOUNTS
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.

Financial Services Regulatory Authority of Ontario’s (FSRA) deposit insurance program protects insurable deposits held with Ontario credit unions and caisses populaires. Learn more

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.

List of rates for TFSA DEPOSIT SPECIALS
TFSA DEPOSIT SPECIALS	Rate
15 Month Term / TFSA / RRSP / RRIF	1.50
6 Month Term / TFSA / RRSP / RRIF - New Deposits Only	1.70

List of rates for 5 YEAR STEP TERM DEPOSIT
5 YEAR STEP TERM DEPOSIT	Rate
Year 1	1.10
Year 2	1.75
Year 3	2.00
Year 4	2.75
Year 5	3.50
Effective Yield	2.22

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

List of rates for 3 YEAR PREMIUM STEP TERM DEPOSIT
3 YEAR PREMIUM STEP TERM DEPOSIT	Rate
Year 1	1.25
Year 2	2.00
Year 3	2.75
Effective Yield	2.00

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.

List of rates for NON-REDEEMABLE LONG TERM DEPOSITS
NON-REDEEMABLE LONG TERM DEPOSITS	Rate
1 Year Term Deposit	1.05
18 Month Term Deposit	1.25
2 Year Term Deposit	1.60
3 Year Term Deposit	2.10
4 Year Term Deposit	2.20
5 Year Term Deposit	2.50

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.

List of rates for NON-REDEEMABLE SHORT TERM DEPOSITS
NON-REDEEMABLE SHORT TERM DEPOSITS	Rate
30 - 59 Days	0.20
60 - 89 Days	0.40
90 - 179 Days	0.45
180 - 269 Days	0.50
270 - 364 Days	0.65

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

List of rates for US SHORT TERM NON-REDEEMABLE TERM DEPOSITS
US SHORT TERM NON-REDEEMABLE TERM DEPOSITS	Rate
US 30 - 59 Days	0.05
US 60 - 89 Days	0.10
US 90 - 179 Days	0.15
US 180 - 269 Days	0.35
US 270 - 364 Days	0.40

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

List of rates for PAYDAY TERM DEPOSIT
PAYDAY TERM DEPOSIT	Rate
1 Year	0.75

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

List of rates for CASHABLE TERM DEPOSIT
CASHABLE TERM DEPOSIT	Rate
1 Year	0.70

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.

List of rates for EVEST RRSP / TFSA
EVEST RRSP / TFSA	Rate
Everyday Rate	0.40

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

List of rates for SMART TAX FREE SAVINGS ACCOUNT
SMART TAX FREE SAVINGS ACCOUNT	Rate
TFSA Smart Savings Under $5,000	0.40
TFSA Smart Savings $5,000 to $49,999	0.45
TFSA Smart Savings $50,000 plus	0.50

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

List of rates for 5 YEAR STEP TFSA
5 YEAR STEP TFSA	Rate
Year 1	1.10
Year 2	1.75
Year 3	2.00
Year 4	2.75
Year 5	3.50
Effective Yield	2.22

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

List of rates for 3 YEAR PREMIUM STEP TFSA
3 YEAR PREMIUM STEP TFSA	Rate
Year 1	1.25
Year 2	2.00
Year 3	2.75
Effective Yield	2.00

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.

List of rates for LONG TERM NON-REDEEMABLE TFSA
LONG TERM NON-REDEEMABLE TFSA	Rate
1 Year TFSA	1.05
18 Month TFSA	1.25
2 Year TFSA	1.60
3 Year TFSA	2.10
4 Year TFSA	2.20
5 Year TFSA	2.50

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

List of rates for CASHABLE TFSA
CASHABLE TFSA	Rate
1 Year	0.70

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

List of rates for PAYDAY TFSA
PAYDAY TFSA	Rate
1 Year	0.75

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.

Financial Services Regulatory Authority of Ontario’s (FSRA) deposit insurance program protects insurable deposits held with Ontario credit unions and caisses populaires. Learn more

Tax Free Savings Accounts

List of rates for EVEST RRSP / TFSA
EVEST RRSP / TFSA	Rate
Everyday Rate	0.40

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

List of rates for 1 - 5 YEAR NON-REDEEMABLE RRSPS
1 - 5 YEAR NON-REDEEMABLE RRSPS	Rate
1 Year RRSP	1.05
18 Month RRSP	1.25
2 Year RRSP	1.60
3 Year RRSP	2.10
4 Year RRSP	2.20
5 Year RRSP	2.50

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

List of rates for 5 YEAR STEP RRSP
5 YEAR STEP RRSP	Rate
Year 1	1.10
Year 2	1.75
Year 3	2.00
Year 4	2.75
Year 5	3.50
Effective Yield	2.22

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

List of rates for PREMIUM 3 YEAR STEP RRSP
PREMIUM 3 YEAR STEP RRSP	Rate
Year 1	1.25
Year 2	2.00
Year 3	2.75
Effective Yield	2.00

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.

List of rates for SHORT TERM NON-REDEEMABLE RRSPS
SHORT TERM NON-REDEEMABLE RRSPS	Rate
90 - 179 days	0.45
180 - 269 days	0.50
270 - 364 days	0.65

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

List of rates for CASHABLE RRSP
CASHABLE RRSP	Rate
1 Year	0.70

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

List of rates for RRSP TIERED INTEREST SAVINGS
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.

Registered Retirement Income Funds

List of rates for 5 YEAR STEP RRIF
5 YEAR STEP RRIF	Rate
Year 1	1.10
Year 2	1.75
Year 3	2.00
Year 4	2.75
Year 5	3.50
Effective Yield	2.22

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

List of rates for 3 YEAR PREMIUM STEP RRIF
3 YEAR PREMIUM STEP RRIF	Rate
Year 1	1.25
Year 2	2.00
Year 3	2.75
Effective Yield	2.00

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.

List of rates for 1-5 YEAR NON-REDEEMABLE RRIFS
1-5 YEAR NON-REDEEMABLE RRIFS	Rate
1 Year RRIF	1.05
18 Month RRIF	1.25
2 Year RRIF	1.60
3 Year RRIF	2.10
4 Year RRIF	2.20
5 Year RRIF	2.50

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

List of rates for SHORT TERM NON-REDEEMABLE RRIFS
SHORT TERM NON-REDEEMABLE RRIFS	Rate
90 - 179 days	0.45
180 - 269 days	0.50
270 - 364 days	0.65

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

List of rates for CASHABLE RRIF
CASHABLE RRIF	Rate
1 Year	0.70

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

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

Registered Retirement Savings Plans

List of rates for 1 - 5 YEAR NON-REDEEMABLE RESP
1 - 5 YEAR NON-REDEEMABLE RESP	Rate
1 Year RESP	1.05
18 Month RESP	1.25
2 Year RESP	1.60
3 Year RESP	2.10
4 Year RESP	2.20
5 Year RESP	2.50

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

List of rates for 1 YEAR CASHABLE RESP
1 YEAR CASHABLE RESP	Rate
minimum $500	0.70

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

List of rates for RESP VARIABLE SAVINGS
RESP VARIABLE SAVINGS	Rate
no minimum	0.25

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

Term	Sales end:	Effective date:	Maturity date:	Participation rate:
3 Years	Oct. 31, 2021	Nov. 4, 2021	Nov. 12, 2024	75.00%
5 Years	Oct. 31, 2021	Nov. 4, 2021	Nov. 12, 2026	125.00%

3-year Index-Linked Term Deposits (ILTD) Performance

5-year Index-Linked Term Deposits (ILTD) Performance

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.

Financial Services Regulatory Authority of Ontario’s (FSRA) deposit insurance program protects insurable deposits held with Ontario credit unions and caisses populaires. Learn more

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