Whether you're looking to invest, borrow or save, Tandia provides personal and customized access to daily banking, financial products and wealth management services. We are here to help you achieve your financial goals.
GIC Rates
Cashable GIC Term Deposit Rates
Eligible for non-registered accounts and registered FHSAs, TFSAs, RRSPs, and RRIFs
| GIC SPECIAL - NON-REDEEMABLE SHORT TERM | RATE |
|---|---|
| 13 MONTH | 4.30% |
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.
| CASHABLE TERM DEPOSIT | RATE |
|---|---|
| 1 Year | 3.00% |
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.
Non-Redeemable GIC Term Deposit Rates
Eligible for non-registered accounts and registered FHSAs, TFSAs, RRSPs, and RRIFs
| NON-REDEEMABLE SHORT TERM DEPOSIT | RATE |
|---|---|
| 30 - 59 Days | 2.20% |
| 60 - 89 Days | 2.40% |
| 90 - 179 Days | 2.45% |
| 180 - 269 Days | 2.50% |
| 270 - 364 Days | 2.65% |
Minimum $1,000, non-redeemable. Interest paid at maturity. Renews for same term at maturity.
| NON-REDEEMABLE LONG TERM DEPOSIT | RATE |
|---|---|
| 1 Year Term Deposit | 4.10% |
| 18 Month Term Deposit | 4.15% |
| Year 2 | 4.05% |
| Year 3 | 3.90% |
| Year 4 | 3.80% |
| Year 5 | 3.75% |
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.
| 3 YEAR PREMIUM STEP TERM DEPOSIT | RATE |
|---|---|
| Year 1 | 4.15% |
| Year 2 | 3.95% |
| Year 3 | 3.75% |
| Effective Yield | 3.95% |
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 | 4.15% |
| Year 2 | 3.95% |
| Year 3 | 3.75% |
| Year 4 | 3.95% |
| Year 5 | 3.95% |
| Effective Yield | 3.95% |
Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term deposit at maturity.
Rates are subject to change at any time without notice.
Learn more about Tandia Term Deposits
For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
Index-Linked Term Deposits
Eligible for non-registered accounts and registered TFSAs and RRSPs
If you’re looking for a safe investment that also brings the potential for higher returns, an Index-Linked Term Deposit may be a great option for you. The performance of an Index-Linked Term Deposit is linked to a specific market index or group of stocks, which means that your principal investment is 100% guaranteed and you may also benefit from the higher returns that a market investment can provide.
Features and Benefits of an Index-Linked Term Deposit:
Minimum $500 initial deposit • Available in 3 and 5-year terms • Principal investment is 100% guaranteed
No fees or commissions • Potentially higher return is tied to the stock market
| TERM | 3 Year | 5 Year |
|---|---|---|
| SALE END | Oct 31, 2024 | Oct 31, 2024 |
| EFFECTIVE DATE | Nov 6, 2024 | Nov 6, 2024 |
| MATURITY DATE | Nov 17, 2027 | Nov 16, 2029 |
| 75% | 125% |
3-year Index-Linked Term Deposits (ILTD) Performance
5-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.
At Tandia Financial Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).
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.
Looking for an RESP?
For more information about Tandia's RESP interest rates, visit your branch, call our Member Solutions Centre: 1-800-598-2891 or contact us.
Solutions as Unique as You
Save and Invest
At Tandia we have a range of investment products that can help you reach your financial goals. We have a full complement of traditional investment products that can be held within or outside of a registered plan.
No matter what stage of life you are in or how much money you have to invest - we are here to work with you and help your savings grow.
Money Mindset
Money Mindset is a collection of bite size easy to understand articles, tips and resources where we delve into the world of finance, promote financial literacy, and empower individuals to gain a better understanding of their money and how it works.
We are here for you
Get in touch with us at any time, whether it’s a question about our services or a comment on how we can do things better. Your voice is number one at Tandia.
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.
Copyright © 2024 Tandia Financial Credit Union Limited. All rights reserved.