Canadian High Interest Savings Bank Accounts - Forum: General comparisons

NorthernRaven on Brokerage investment savings accounts

Mon, 15 Jun 2026 05:12:47 -0700

The Fundserv database of all mutual funds includes a "MMF" flag (set true for ISAs) and a specific 'CDIC" flag for these. TDDI's systems could certainly have that information available at purchase time, they just don't want to put in the work to eliminate that message when not applicable, and rely on that "may" at the expense of possible customer confusion.

TDDI also has the concept of "near-cash" for its buying power calculation, and has to be able to determine if an ISA or MMF qualifies for that.

Both the Desjardins and General Bank ISAs are in Fundserv.

AltaRed on Brokerage investment savings accounts

Mon, 15 Jun 2026 01:18:00 -0700

IIRC, most? brokerages put up this 90 day warning for funds purchased through the mutual fund system. I think it is because they cannot be certain what the 'issuer' might impose from their side, so this is a disclosure to CYA. I have not heard of it being applied for ISA or MMF funds specifically.

NorthernRaven on Brokerage investment savings accounts

Sun, 14 Jun 2026 23:33:12 -0700

TDDI has a problem with this as well - it puts up its inapplicable 90-day warning on ISA and MMF purchases, without even the exception disclaimer. It also doesn't show minimum initial and subsequent purchase amounts, even in the order rejection message if you don't meet them - you have to hunt down their research page for the fund. Integration of data sources could be improved at Big Green!

Sammy on Brokerage investment savings accounts

Sun, 14 Jun 2026 22:35:53 -0700

Norman1 said
I had a look at Desjardins Investment Savings Account (DJQ1000).

Not available through discount brokerages BMO InvestorLine or Scotia iTRADE. Seems to be available only through discount brokerage Desjardins Online which charges a $32 commission on mutual funds held less than 90 days. No exception seen for ISA's and money-market mutual funds.

For info, as a Quebec resident using Disnat (Desjardins), I can confirm that ISA are not subject to the 32$ commission for being held less than 90 days.

I get this message:

Warning(s)
Funds held less than 90 calendar days may be subject to a commission charge of $32 (except money market funds and high interest savings account products).

Norman1 on Brokerage investment savings accounts

Sun, 14 Jun 2026 02:34:12 -0700

I had a look at Desjardins Investment Savings Account (DJQ1000).

Quebec residents only:

Product available only to Quebec residents and companies registered in Quebec through Desjardins Securities advisors and CIRO investment advisors with Desjardins Signature Service, as well as through Desjardins Online Brokerage¹.

Not available through discount brokerages BMO InvestorLine or Scotia iTRADE. Seems to be available only through discount brokerage Desjardins Online which charges a $32 commission on mutual funds held less than 90 days. No exception seen for ISA's and money-market mutual funds.

I won't be tracking it to my chart.

Similarly, not interested in tracking General Bank of Canada's HISA (GBH100). Its 2.2% rate looks outstanding for a series A HISA. But, only available through Questrade that charges $9.95 for each mutual fund trade, no exceptions.

Dean on Brokerage investment savings accounts

Sat, 13 Jun 2026 09:25:18 -0700

Good Call ⬆️

Desjardins ISA 'DJQ1000' is presently @ 1.95%.

Dean

theminionsbanjosaver on Brokerage investment savings accounts

Sat, 13 Jun 2026 08:59:19 -0700

Have you considered adding DJQ1000 to the list of tracked funds?

Dean on YNCU credit union 4.5 percent 4 months offer

Wed, 10 Jun 2026 05:15:21 -0700

.
Nice rates, But . . .

"To be a member, you need to be a resident of Ontario"

That leaves me (and many others) 'Out'.

Dean

smayer97 on YNCU credit union 4.5 percent 4 months offer

Wed, 10 Jun 2026 02:17:35 -0700

To be clear, the offer is for a 4-month GIC. They also offer 4% for a 5-yr GIC.

https://www.yncu.com/banking/i.....gic-offers

stingray on YNCU credit union 4.5 percent 4 months offer

Wed, 10 Jun 2026 00:57:46 -0700

YNCU is a credit union in southern ontario

Nehpets on YNCU credit union 4.5 percent 4 months offer

Wed, 10 Jun 2026 00:53:01 -0700

What is YNCU?

stingray on YNCU credit union 4.5 percent 4 months offer

Wed, 10 Jun 2026 00:37:58 -0700

Hello folks , YNCU credit union has a nice offer of 4.5 percent for 4 months, any info on pros and cons, good and bads ?.....thank you.....

rontcyip on Brokerage investment savings accounts

Thu, 04 Jun 2026 09:40:58 -0700

Thank you all. Appreciate the help!!

MG said

Hi Ron,
Yes, they offer several of these funds. If you go to "Trade Mutual Funds", there is a tab labelled HISAs. Click on it and you will see many offerings. They have ATL, RBF, TD, NBC, MIP and DYN - several of each are available. I suspect they differ by how much you have to invest.

MG on Brokerage investment savings accounts

Thu, 04 Jun 2026 06:20:47 -0700

rontcyip said
Hi, do any one know if CIBC Investor Edge offers any of these ISA funds? If not do they have their own ISA products?

Thanks
Ron

Hi Ron,
Yes, they offer several of these funds. If you go to "Trade Mutual Funds", there is a tab labelled HISAs. Click on it and you will see many offerings. They have ATL, RBF, TD, NBC, MIP and DYN - several of each are available. I suspect they differ by how much you have to invest.

AltaRed on Brokerage investment savings accounts

Thu, 04 Jun 2026 03:39:51 -0700

If one's bank brokerage does not offer trailer free F series, then move on to money market mutual funds instead. CIBC's ATL238 (F class Premium) would certainly be available at Investor's Edge.

I find it a bit of an insult for some DIY brokerages to 'force' A series ISAs on retail investors but they get away with it from a regulatory perspective since ISAs are actually deposit accounts, not mutual funds. Beat them at their own game by buying F series MMFs instead