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Canadian Tire 1.8% HISA
March 3, 2021
5:24 am
KamWest
Toronto
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I am near the end of the simplii promo and have significant funds at motive with an interest rate of 1.55%

Thinking of amalgamating and shifting to my Canadian Tire account but not sure what the account limit is for the interest rate.

I am using motive simply because they have eliminated a cap on the account and the entire deposit has the 1.55% rate.

Anyone know what the CTF ceiling is?
It does not seem to be on the website, which by the way reminds me of websites 10 years ago.

March 3, 2021
6:00 am
Hubble
Alberta
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There are no ceilings on deposits.....and when you pull in from your other account, no ceiling on the transfer amount.

March 3, 2021
6:49 am
KamWest
Toronto
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Ahh great

Just looked, the old hand written form and send a cheque process.

My god, get out of the nineties people!!!

March 3, 2021
10:41 am
Londonguy
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KamWest said
Ahh great

Just looked, the old hand written form and send a cheque process.

My god, get out of the nineties people!!!  

If leaving the website in the 1990s means they can keep paying me a higher rate of interest than anybody else, then I'm happy to use their 1990s website

March 3, 2021
11:40 am
Nehpets
Ontario
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Londonguy said

If leaving the website in the 1990s means they can keep paying me a higher rate of interest than anybody else, then I'm happy to use their 1990s website  

Agreed! Keep the focus on what really counts, especially these days.

Stephen

March 3, 2021
1:35 pm
archangel
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36 days for me. I now have to call to activate my account. Yup, call to activate online account. Seriously. But, gotta do something with $ after Simp & Tang offers expire.

March 4, 2021
5:32 am
Nehpets
Ontario
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archangel said
..... I now have to call to activate my account. Yup, call to activate online account. Seriously..... 

Not much different from most other FI's that require a telephone call in that provides a temporary password after the client is authenticated. Once access is achieved, the temp password is updated to your own personal password.

Nothing unusual with Cdn Tire, just providing security for your deposit.

Granted, their initial processing of an application may be slow, perhaps due to limited staff, but their client service representatives are efficient and knowledgeable. Their intake protocols appear to be intended to provide security for clients and protection from fraud.

I am willing to adapt to the idiosyncrasies of each FI I deal with being dedicated to seeking out the most favorable deposit terms available.

Stephen

April 6, 2021
9:38 pm
gta_905
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Rate dropped to 1.55% please be aware.

April 6, 2021
11:56 pm
smayer97
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Thanks for the heads up.

@Peter... time to update the chart.

April 7, 2021
3:46 am
KamWest
Toronto
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Main page at CDN Tire still says 1.8

When I click the account it says 1.55

Figures, as soon as I move in it changes

April 7, 2021
5:06 am
file
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The site has indeed now been updated. The way of life, continues.

April 7, 2021
7:02 am
gta_905
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Yeah, I moved a bulk of the money in to CT after Duca's yearly promotion ended a week ago. I can't move it out because it's still being held, but will have to look at alternative options. Too bad EQ's 2.3% is only on TFSA because of the contribution limit. Oh well.

April 7, 2021
7:34 am
Peter
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Locking this thread so that future discussion can continue in a new thread about the 1.55% rate.

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