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.
GICs
TFSAs
RRSPs
RRIFs
RESPs
US Exchange
| Foreign Exchange Rates | Buy Rate | Sell Rate |
|---|---|---|
| US Cash |
1.3122
|
1.2556
|
| MORTGAGE SPECIALS | Rate |
|---|---|
| 5 Year Closed High Ratio Fixed Rate Mortgage Special |
3.45
|
| 5 Year Closed Fixed Rate Mortgage Special |
3.75
|
| FIXED STANDARD CLOSED RESIDENTIAL MORTGAGES | Rate |
|---|---|
| 6 Month Closed Mortgage |
4.50
|
| 1 Year Closed Mortgage |
1.95
|
| 2 Year Closed Mortgage |
1.99
|
| 3 Year Closed Mortgage |
2.79
|
| 4 Year Closed Mortgage |
3.20
|
| 5 Year Closed Mortgage |
3.85
|
| FIXED STANDARD OPEN RESIDENTIAL MORTGAGES | Rate |
|---|---|
| 6 Month Open Mortgage |
6.95
|
| 1 Year Open Mortgage |
6.95
|
| 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
|
| VARIABLE MORTGAGES | Rate |
|---|---|
| Variable Rate 1 Year Open |
4.60
|
| Variable Rate 5 Year Closed |
2.70
|
| 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
|
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.
| Limitless Plan | Rate |
|---|---|
| <$1,000 |
0.00%
|
| $1,000 + |
0.00%
|
| Limitless 60 Plan | Rate |
|---|---|
| <$1,000 | |
| $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 |
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
| EVEST ACCOUNT - ONLINE ONLY | Rate |
|---|---|
| Everyday Rate |
0.40
|
| SMART SAVINGS | Rate |
|---|---|
| $0 - $4,999 |
0.20
|
| $5,000 - $49,999 |
0.30
|
| $50,000 Plus |
0.40
|
| 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
|
| 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 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 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) | 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
Deposit Specials
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 |
|---|---|
| 40 Month GIC / TFSA / RRSP / RRIF |
3.50
|
| 13 Month GIC / TFSA / RRSP / RRIF |
1.70
|
| 5 Year GIC / TFSA / RRSP / RRIF New Money Only |
3.00
|
| 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.
| 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 |
1.05
|
| 18 Month Term Deposit |
2.50
|
| 2 Year Term Deposit |
2.70
|
| 3 Year Term Deposit |
2.90
|
| 4 Year Term Deposit |
3.30
|
| 5 Year Term Deposit |
3.70
|
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 |
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.
| CASHABLE TERM DEPOSIT | Rate |
|---|---|
| 1 Year |
0.70
|
Minimum $500, cashable. Renews for same term at maturity.
| PAYDAY TERM DEPOSIT | Rate |
|---|---|
| 1 Year |
0.75
|
Minimum $1,000 goal, cashable. Renews for 1 Year Cashable Term Deposit at maturity.
| 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.
| EVEST RRSP / TFSA | Rate |
|---|---|
| Everyday Rate |
0.40
|
Interest is calculated on the closing daily balance and paid monthly.
| 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.
| 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 |
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.
| LONG TERM NON-REDEEMABLE TFSA | Rate |
|---|---|
| 1 Year TFSA |
1.05
|
| 18 Month TFSA |
2.50
|
| 2 Year TFSA |
2.70
|
| 3 Year TFSA |
2.90
|
| 4 Year TFSA |
3.30
|
| 5 Year TFSA |
3.70
|
Minimum $500, non-redeemable. Renews for same term at maturity.
| CASHABLE TFSA | Rate |
|---|---|
| 1 Year |
0.70
|
Minimum $500, cashable. Renews for same term at maturity.
| 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.
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
| EVEST RRSP / TFSA | Rate |
|---|---|
| Everyday Rate |
0.40
|
Interest is calculated on the closing daily balance and paid monthly.
| 1 - 5 YEAR NON-REDEEMABLE RRSPS | Rate |
|---|---|
| 1 Year RRSP |
1.05
|
| 18 Month RRSP |
2.50
|
| 2 Year RRSP |
2.70
|
| 3 Year RRSP |
2.90
|
| 4 Year RRSP |
3.30
|
| 5 Year RRSP |
3.70
|
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 |
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.
| 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.
| CASHABLE RRSP | Rate |
|---|---|
| 1 Year |
0.70
|
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.
| 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 |
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.
| 1-5 YEAR NON-REDEEMABLE RRIFS | Rate |
|---|---|
| 1 Year RRIF |
1.05
|
| 18 Month RRIF |
2.50
|
| 2 Year RRIF |
2.70
|
| 3 Year RRIF |
2.90
|
| 4 Year RRIF |
3.30
|
| 5 Year RRIF |
3.70
|
Minimum $500, cashable. Renews for same term at maturity.
| 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.
| CASHABLE RRIF | Rate |
|---|---|
| 1 Year |
0.70
|
Minimum $500, cashable. Renews for same term at maturity.
| 1 - 5 YEAR NON-REDEEMABLE RESP | Rate |
|---|---|
| 1 Year RESP |
1.05
|
| 18 Month RESP |
2.50
|
| 2 Year RESP |
2.70
|
| 3 Year RESP |
2.90
|
| 4 Year RESP |
3.30
|
| 5 Year RESP |
3.70
|
Minimum $500, non-redeemable. Renews for same term at maturity.
| 1 YEAR CASHABLE RESP | Rate |
|---|---|
| minimum $500 |
0.70
|
Minimum $500, cashable. Renews for same term at maturity.
| 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 | April 30, 2022 | May 5, 2022 | May 14, 2025 | 75.00% |
| 5 Years | April 30, 2022 | May 5, 2022 | May 14, 2027 | 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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