Canadian High Interest Savings Bank Accounts - Forum: General comparisons

Alexandre on Haventree Online Banking

Sat, 01 Aug 2026 06:55:58 -0700

JenE said
The 4% 2-year GIC sounds tempting. Does anyone have negative feelings about this?

What's not to like? CDIC insured, has option of paying interest annually. I will be definitely using it when my current Tangerine 4.0% promo ends.

sarenkapica123@gmail.com on YNCU credit union 4.5 percent 4 months offer

Sat, 01 Aug 2026 06:39:05 -0700

I can't see this offer, on their website. Is it still on?

dougjp on Haventree Online Banking

Thu, 30 Jul 2026 22:35:55 -0700

Peter said
Haventree contacted us on Instagram and offered to answer any questions this community has. So if you want to post any questions for them there, we'll consolidate them and try to get some answers straight from Haventree.

OK, very helpful, and glad Haventree wanted to do that. It will save them time too by reducing phone calls. My questions have to do with joint savings accounts.

1: I assume the primary (account opening initiator) gets the T5 as it will have that person's SIN on it. Like everywhere else, but I just want to clarify.

And the practical day to day stuff -

2: Do both people have access to the joint account with their own separate EFT linked accounts for transfers in and out?

3: Does each person have a separate login ID and password?

Poor Richard on Haventree Online Banking

Thu, 30 Jul 2026 10:16:12 -0700

No registered accounts. Too bad - would like to park my TFSAs somewhere paying a decent rate & shut down the National Bank accounts Motive forced on me.

BlueSky on Haventree Online Banking

Thu, 30 Jul 2026 09:53:55 -0700

Peter said
Haventree contacted us on Instagram and offered to answer any questions this community has. So if you want to post any questions for them there, we'll consolidate them and try to get some answers straight from Haventree.

I would be interested to know if they have a projected launch date in QC. Thanks.

RetirEd on Haventree Online Banking

Thu, 30 Jul 2026 05:29:24 -0700

Doesn't using Flinks require that one has online banking to share the passwords of to begin with? Haventree's site lists four brokers walkable from me. They all work for The Mortgage Group. Anyone know anything about them, good, bad or ugly?

I'll try visiting them soon.

Peter on Haventree Online Banking

Thu, 30 Jul 2026 03:50:05 -0700

Haventree contacted us on Instagram and offered to answer any questions this community has. So if you want to post any questions for them there, we'll consolidate them and try to get some answers straight from Haventree.

JenE on Haventree Online Banking

Thu, 30 Jul 2026 03:47:25 -0700

The 4% 2-year GIC sounds tempting. Does anyone have negative feelings about this?

Norman1 on Brokerage investment savings accounts

Sun, 26 Jul 2026 04:58:33 -0700

Rates unchanged since previous update. Added DJQ1000.

ISA (Canadian Dollars)	Rate
BMO High Interest Savings Account (BMT104)	1.95%
Desjardins Investment Savings Account, Series A (DJQ1000)
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100)	1.90%
Equitable High Interest Savings Account, Series A (EQB1000)
Home Trust High Interest Savings Account, Class A (HOM100)
NBI Altamira CashPerformer Account, Series A (NBC100)	1.80%
RBC Investment Savings Account, Series A (RBF2010)
Renaissance High Interest Savings Account, Series A (ATL5070)
TD Investment Savings Account, Series A (TDB8150)
Manulife Bank Investment Savings Account (MIP510)	1.65%

smayer97 on YNCU credit union 4.5 percent 4 months offer

Sat, 18 Jul 2026 03:53:31 -0700

For ON, keep this in mind:
"Separate Coverage
FSRA’s deposit insurance program provides separate coverage for insurable deposits held in joint accounts, trust accounts, registered accounts, and eligible business accounts."
https://www.fsrao.ca/consumers.....-insurance

Wrayzor on YNCU credit union 4.5 percent 4 months offer

Sat, 18 Jul 2026 00:15:27 -0700

BC, AB, SK, and MB deposit insurers provide unlimited coverage on all deposits.

ON and PEI cover registered accounts with no limit and $250,000 on Non-reg.

Others are $250k on everything except QC with $100k.

Source: https://credituniondirectory.c.....-insurance

RetirEd on YNCU credit union 4.5 percent 4 months offer

Fri, 17 Jul 2026 19:56:10 -0700

Don't BC Credit unions still have unlimited coverage too?

Nehpets on YNCU credit union 4.5 percent 4 months offer

Fri, 17 Jul 2026 02:00:12 -0700

Runnerbb said
Hi, first timer here posting!
Is this credit union CDIC protected?
thx

As has been explained, YNCU like all provincially regulated credit unions are governed by the regulatory body of their respective Province. Coverage varies by Province, and most cover up to $250,000. Exception is Manitoba CU's that have no limit.

Stephen

JenE on YNCU credit union 4.5 percent 4 months offer

Thu, 16 Jul 2026 11:59:40 -0700

“Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).” So not CDIC protected like a bank, but protected as stated.

Runnerbb on YNCU credit union 4.5 percent 4 months offer

Thu, 16 Jul 2026 08:16:32 -0700

Hi, first timer here posting!
Is this credit union CDIC protected?
thx