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​Rates

We know you've got a lot on your plate.
Let us do the homework and get you great rates. 

 

Welcome to great rates!

Whether you're looking to pay your mortgage faster, need more flexibility or are just starting to shop around - we've got the great rates to fit all your needs.

 
FOREIGN EXCHANGE RATES BUY RATE SELL RATE
US Cash 1.3889 1.3322

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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MORTGAGE SPECIALS  RATE
5 Year Closed High Ratio Fixed Rate Mortgage Special 5.29
5 Year Closed Fixed Rate Mortgage Special 5.75

FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES  RATE
6 Month Closed Mortgage 6.25
1 Year Closed Mortgage 5.64
2 Year Closed Mortgage 5.55
3 Year Closed Mortgage 5.65
4 Year Closed Mortgage 5.89
5 Year Closed Mortgage 6.24

FIXED STANDARD OPEN RESIDENTIAL MORTGAGES  RATE
6 Month Open Mortgage 7.95
1 Year Open Mortgage 7.95

VARIABLE MORTGAGES  RATE
Variable Rate 1 Year Open 7.30
Variable Rate 5 Year Closed 5.40

FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES - POSTED RATES  RATE
1 Year Closed Mortgage 6.10
2 Year Closed Mortgage 6.04
3 Year Closed Mortgage 5.97
4 Year Closed Mortgage 6.02
5 Year Closed Mortgage 6.33

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.

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.

Learn more about our Chequing Accounts →

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LIMITLESS PLAN  RATE
< $1,000 0.00%
$1,000 + 0.00%

LIMITLESS 60 PLAN  RATE
< $1,000 0.00%
$1,000 + 0.00%

LIMITLESS STUDENT PLAN  RATE
< $1,000 0.00%
$1,000 + 0.00%

A-LA-CARTE PLAN  RATE
< $1,000 0.00%
$1,000 + 0.00%

U.S. CONVENIENCE PLAN  RATE
< $1,000 0.00%
$1,000 + 0.00%

OVERDRAFT PROTECTION  RATE
Authorized 20.45
Unauthorized Overdraft 21.45

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

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.

Learn more about our Savings Accounts →

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EVEST ACCOUNT - ONLINE ONLY  RATE
Everyday Rate 1.50

SMART SAVINGS RATE
$0 - $4,999 0.20
$5,000 - $49,999 0.30
$50,000 Plus 1.00

YOUTHSAVERS ACCOUNT  RATE
(ages 5 - 17) 0.50

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

REGULAR SAVINGS  RATE
(grandfathered) 0.15

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.

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

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.

Learn more about our Tandia's Business Accounts →

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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

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)S  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.

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

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.

DEPOSIT SPECIALS  RATE
13 Month GIC / TFSA / RRSP / RRIF 4.70
30 Month GIC / TFSA / RRSP / RRIF 5.00
5 Year GIC / TFSA / RRSP / RRIF 4.60

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.

Learn more about Term Deposits  →

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3 YEAR PREMIUM STEP TERM DEPOSIT  RATE
Year 1 3.75
Year 2 4.25
Year 3 5.50
Effective Yield 4.50

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 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.


NON-REDEEMABLE LONG TERM DEPOSITS  RATE
1 Year Term Deposit 4.00
18 Month Term Deposit 4.75
Year 2 4.35
Year 3 4.50
Year 4 4.55
Year 5 4.60

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.


NON-REDEEMABLE SHORT TERM DEPOSITS  RATE
30 - 59 Days 1.20
60 - 89 Days 1.40
90 - 179 Days 1.45
180 - 269 Days 1.50
270 - 364 Days 1.65

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


CASHABLE TERM DEPOSIT RATE
1 Year 3.79

 

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.


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.

For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1.800.598.2891 or contact us.

Learn more about TFSAs  →

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EVEST RRSP / TFSA  RATE
Everyday Rate 1.50

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 1.10

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


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.


3 YEAR PREMIUM STEP TFSA  RATE
Year 1 3.75
Year 2 4.25
Year 3 5.50
Effective Yield 4.50

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.


LONG TERM NON-REDEEMABLE TFSA  RATE
1 Year TFSA 4.00
18 Month TFSA 4.75
2 Year TFSA 4.35
3 Year TFSA 4.50
4 Year TFSA 4.55
5 Year TFSA 4.60

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


CASHABLE TFSA  RATE
1 Year 3.79

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

PAYDAY TFSA  RATE
1 Year 0.90

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 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 

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.

Learn more about RRSPs  →

Book an Appointment

EVEST RRSP / TFSA  RATE
Everyday Rate 1.50

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


1 - 5 YEAR NON-REDEEMABLE RRSPS  RATE
1 Year RRSP 4.00
18 Month RRSP 4.75
2 Year RRSP 4.35
3 Year RRSP 4.50
4 Year RRSP 4.55
5 Year RRSP 4.60

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


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.


PREMIUM 3 YEAR STEP RRSP  RATE
Year 1 3.75
Year 2 4.25
Year 3 5.50
Effective Yield 4.50

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.


SHORT TERM NON-REDEEMABLE RRSPS  RATE
90 - 179 days TFSA 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.


CASHABLE RRSP  RATE
1 Year 3.79

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

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.

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.

Learn more about RRIFs  →

Book an Appointment

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

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


3 YEAR PREMIUM STEP RRIF  RATE
Year 1 3.75
Year 2 4.25
Year 3 5.50
Effective Yield 4.50

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.


1-5 YEAR NON-REDEEMABLE RRIFS  RATE
1 Year RIFF 4.00
18 Month RIFF 4.75
2 Year RIFF 4.35
3 Year RIFF 4.50
4 Year RIFF 4.55
5 Year RIFF 4.60

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


SHORT TERM NON-REDEEMABLE RRIFS  RATE
90 - 179 days TFSA 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.


CASHABLE RRIF  RATE
1 Year 3.79

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

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.

Book an Appointment

1 - 5 YEAR NON-REDEEMABLE RESP  RATE
1 Year RESP 4.00
18 Month RESP 4.75
Year 2 RESP 4.35
Year 3 RESP 4.50
Year 4 RESP 4.55
Year 5 RESP 4.60

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


1 YEAR CASHABLE RESP  RATE
Minimum $500 3.79

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


RESP VARIABLE SAVINGS  RATE
No minimum 0.25

 

TERM 3 Year 5 Year
SALE END December 31, 2022 december 31, 2022
EFFECTIVE DATE January 6, 2023 January 6, 2023
MATURITY DATE January 14, 2026 January 14, 2028
  75% 125%

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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