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​Savings Accounts

The gateway to achieving your savings goals.

​Grow your savings

Tandia has practical account options for your savings needs, all paying competitive rates of interest. 

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​A Range of Interest Options

Daily, Tiered, High-interest & More

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​In-Branch and Online

​Flexible Access Options


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​ding-free ATM Access

Largest National Network

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​Round Up and Save

Build Your Savings with Every Purchase

​Savings have never been smarter

​A savings account is an essential tool for wise money management and a natural companion for your personal chequing plan.  It's a place to accumulate funds to help you achieve your savings goal.

Smart Savings

Overview

Our Smart Savings Account offers more than high interest.  With tiered interest rates, you earn more on every dollar as you invest more.

Key Features
  • Unlimited free online account transfers
  • Three interest tiers of <$5,000, $5,000 - $49,000 and $50,000+
  • Interest is calculated on the closing daily balance and paid monthly

Tiered Interest Savings

Overview

This is an ideal basic savings account to accumulate funds for your savings goals. It offers competitive daily interest with escalating rates as your balance increases.

Key Features
  • Accessible through the ding-free Network and Interac® Direct Payment
  • Interest is paid monthly, calculated on the closing daily balance with the following tiers:
    Up to $4,999; $5,000 - $9,999; $10,000 - $24,999; $25,000 - $59999; Portion $60,000 + : a premium rate is paid

US Daily Savings Account

Overview

Travelling to the United States? Whether you’re saving for your next trip or have money left over from the last, here’s a handy tiered interest account for maintaining your US cash until needed.

Key Features
  • Save on exchange by purchasing US dollars when rates are favourable.

  • Transfer US funds online to another US account or to your CDN accounts, or transfer CDN funds into your US account.

  • Competitive Interest is calculated on the closing daily balance and paid monthly with two tiers: <$3,000, portion $3,000 +. 

YouthSavers Account - Ages 5 to 11

Overview

Young members earn a premium daily interest savings rate, and are encouraged to save money and begin building financial responsibility.

Key Features
  • YouthSavers Bonus Points Card: Earn a stamp for every $10 deposit and when the card is full (after $200 in deposits), receive a $5 bonus to your account (limits apply)

  • Term Deposits are available with a lower minimum deposit of $100

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

YouthSavers Account - Ages 12 to 17

Overview

The YouthSavers program is designed to grow with young members. Starting at age 12 and with parent/guardian consent, YouthSavers members can take advantage of full every-day banking services.

Key Features
  • A Member Card® debit card

  • Fee-free Limitless Student Plan for everyday banking transactions

  • Online Banking and Mobile App access

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

Visit our Service Fees page for disclosure of all applicable fees.

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

Can't get to a branch? Save your money and never go to a branch with our eVest accounts. 

We have a big interest in helping you save and are happy to offer our exclusively online investment savings account called 'eVest', with a market-friendly 'everyday' rate on every dollar.

The eVest account is also TFSA and RRSP eligible. Current members with online banking access can self-open an eVest Account from any desktop PC: log in and from the left menu, select Account Services - Open a New Account/Savings Accounts and click 'eVest Account' - it's that easy!

eVest account key features

Say hello to Tandia's exclusive online-only investment savings account with a market-friendly everyday rate on every dollar. Interest is calculated on the closing daily balance and paid monthly

  • An account for non-registered savings

  • Unlimited free self-serve/online-only transfer transactions between Tandia accounts

  • ATM access with a Tandia Member Card® debit card

  • Accessible on-the-go with Tandia™ Mobile

  • Deposit convenience via Me2Me Transfers, Interac e-Transfer® and Deposit Anywhere™

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eVest RRSP interest and fees

  • Interest is calculated on the closing daily balance and paid monthly
  • Statements are provided monthly at no charge
  • For more information on applicable service fees, refer to our Service Fee Bulletins. 

RRSP Tip: Your CRA Notice of Assessment, received after filing your tax return, will state your RRSP contribution room for the following year. You can also phone the CRA Tax Information Phone Service 1.800.267.6999 (TIPS) or log into My CRA Account to confirm your available room.

*The everyday rate is stated per annum and is subject to change at any time without notice. Interest is calculated on the closing daily balance and paid monthly.

Rates are per annum and are subject to change without notice.

®EXCHANGE is a registered trademark licensed for use in Canada by FICANEX SERVICES Limited Partnership.

®INTERAC is a trademark owned by Interac® Inc. and is used under license.

​™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union and is used under license.

eVest TFSA Key Features

  • A registered Tax Free Savings AccountUnlimited free self-serve/online-only transfer transactions between Tandia accounts

  • Easy for current TFSA holders to self open through Tandia's online banking

  • New TFSA holders and new members can get their eVest TFSA started at any branch location

  • Deposit convenience via Me2Me Transfers

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eVest TFSA interest and fees

  • Interest is calculated on the closing daily balance and paid monthlye
  • Statements are provided monthly at no charge
  • For more information on applicable service fees, refer to our Service Fee Bulletins. 

TFSA Tip: Each year, the government will determine and advise you of your available Tax-Free Savings Account conttribution limit on your CRA Notice of Assessment.

*The everyday rate is stated per annum and is subject to change at any time without notice. Interest is calculated on the closing daily balance and paid monthly.Rates are per annum and are subject to change without notice.

®EXCHANGE is a registered trademark licensed for use in Canada by FICANEX SERVICES Limited Partnership.

®INTERAC is a trademark owned by Interac® Inc. and is used under license.

™ DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union and is used under license.

eVest RRSP Key Features

  • A Registered Retirement Saving Plan acount

  • Unlimited free self-serve/online-only transfer-in transactions between Tandia accounts

  • Easy for current RRSP holders to self open through Tandia's online banking

  • New RRSP holders and new members can get their eVest RRSP started at any branch location

  • Deposit convenience via Me2Me Transfers

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No rate selected.

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eVest RRSP interest and fees

  • Interest is calculated on the closing daily balance and paid monthlye
  • Statements are provided monthly at no charge
  • For more information on applicable service fees, refer to our Service Fee Bulletins. 

RRSP Tip: Your CRA Notice of Assessment, received after filing your tax return, will state your RRSP contribution room for the following year. You can also phone the CRA Tax Information Phone Service 1.800.267.6999 (TIPS) or log into My CRA Account to confirm your available room.

*The everyday rate is stated per annum and is subject to change at any time without notice. Interest is calculated on the closing daily balance and paid monthly.Rates are per annum and are subject to change without notice.

®EXCHANGE is a registered trademark licensed for use in Canada by FICANEX SERVICES Limited Partnership.

®INTERAC is a trademark owned by Interac® Inc. and is used under license.

™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union and is used under license.

​The ease of mobile banking

We are proud to offer the market-leading functionality of Tandia™ Mobile. With its fast and easy navigation, you can do your everyday banking conveniently and on-the go.
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