Canadian High Interest Savings Bank Accounts - Forum: General comparisons

AR on YNCU credit union 4.5 percent 4 months offer

Thu, 18 Jun 2026 00:24:22 -0700

Moneyman2 , check your omnia docusign for $500 balance required for promotion duration. If $500 locked, pulling from external might pose a problem.

dell15454 on YNCU credit union 4.5 percent 4 months offer

Thu, 18 Jun 2026 00:12:19 -0700

Dean said
.
Nice rates, But . . .
"To be a member, you need to be a resident of Ontario"

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

You could always move

Moneyman2 on YNCU credit union 4.5 percent 4 months offer

Wed, 17 Jun 2026 11:37:01 -0700

Signed up for this promotion today and starting it on July 2nd after interest is paid to my account at Omnia Direct. Was getting 4.29% there but was expiring July 21st. It was pretty exhausting setting this up but eventually got it done with the great help of a young lady at their corporate office. They are actually going to pull the full amount from Omnia on the 2nd. Worth it to me, getting almost $29 a day interest for 4 month. Haven't been on here in awhile. I hope everyone is well. Cheers ☺️

Nehpets on YNCU credit union 4.5 percent 4 months offer

Wed, 17 Jun 2026 07:59:32 -0700

gicjunkie said
........
FYI If you want a legend of abbreviations for some of the FIs, try this site at the bottom of the page.

https://www.finctr.ca/rates/ne.....hr.pdf

The Collingwood site is an excellent resource; Thanks!

Stephen

gicjunkie on YNCU credit union 4.5 percent 4 months offer

Wed, 17 Jun 2026 04:33:35 -0700

I have used them via GIC Wealth Mmt. Much of their business is done through deposit brokers.

FYI If you want a legend of abbreviations for some of the FIs, try this site at the bottom of the page.

https://www.finctr.ca/rates/newhighr.pdf

Nehpets on YNCU credit union 4.5 percent 4 months offer

Wed, 17 Jun 2026 01:48:27 -0700

Loonie said

It stands for "Your Neighbourhood Credit Union". Many branches in southern Ontario. No experience yet.

Loonie (always) to the rescue!!!!

Thank you

Stephen

Loonie on YNCU credit union 4.5 percent 4 months offer

Mon, 15 Jun 2026 15:54:10 -0700

Nehpets said
What is YNCU?

It stands for "Your Neighbourhood Credit Union". Many branches in southern Ontario. No experience yet.

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