Canadian High Interest Savings Bank Accounts

Anyone know what the bonus anniversary interest numbers would be (PCF)? I realize that it varies, but would it be 1/4 of the "going rate" at the payout time. Debating having my tfsa money ($5k this year and another $5k next year) at different institutions. Although saying that, if on average 1/2 percentage difference in rates per year, the extra interest money will still only be a few bucks. Thinking I might do the first money in maxa financial, the second in pc financial. With my ctfs account holding any other extra money I might have.

This is also assuming that all the rates of the 3 virtual banks stay close. Since maxa has only been around since the beginning of this year, and pcf lately has been paying quite a bit less then the others.

That $10k is meant to be my rainy day fund, so not like I'm going to be doing any long term stuff. When I have some more money and knowledge, that's what the stock market is for

If you're looking to stash some emergency cash, you'd be better off keeping it outside a TFSA and just putting it in a regular so-called "high interest" savings account. Interest rates these days are so low that you're literally only going to save a few bucks in taxes with cash in a TFSA. You'd be better off opening a TFSA at a discount brokerage and investing the money in whatever suits you (stocks, bonds, mutual funds, options, etc…). If you invest wisely, your gains will all be tax-free. one word of caution though, if you invest poorly and lose money, you won't be able to claim a capital loss on your tax return on losses realized inside a TFSA. Good luck.