Canadian High Interest Savings Bank Accounts - Forum: General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/ Simple:Press Version 6.11.10 Dean on YNCU credit union 4.5 percent 4 months offer https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113613 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113613 .
Nice rates, But . . .

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

That leaves me (and many others) 'Out'. sf-confused

    Dean
]]> Wed, 10 Jun 2026 05:15:21 -0700 smayer97 on YNCU credit union 4.5 percent 4 months offer https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113611 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113611 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

]]> Wed, 10 Jun 2026 02:17:35 -0700 stingray on YNCU credit union 4.5 percent 4 months offer https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113610 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113610 YNCU is a credit union in southern ontario

]]> Wed, 10 Jun 2026 00:57:46 -0700 Nehpets on YNCU credit union 4.5 percent 4 months offer https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113609 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113609 What is YNCU?

]]> Wed, 10 Jun 2026 00:53:01 -0700 stingray on YNCU credit union 4.5 percent 4 months offer https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113608 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/yncu-credit-union-4-5-percent-4-months-offer/#p113608 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.....

]]> Wed, 10 Jun 2026 00:37:58 -0700 rontcyip on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113565 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113565 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.  

]]> Thu, 04 Jun 2026 09:40:58 -0700 MG on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113564 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113564

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.

]]> Thu, 04 Jun 2026 06:20:47 -0700 AltaRed on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113563 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113563 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

]]> Thu, 04 Jun 2026 03:39:51 -0700 NorthernRaven on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113562 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-49/#p113562 The will have the Renaissance "ATL" ones, that's a CIBC company. I'm not sure if they would offer any of the others, many bank brokerages only offer their own products - no point in giving deposits to the competition!

Non-bank brokerages like Qtrade and Questrade do offer a range; I think both of them offer the "F-series" variants, which usually pay out 0.25% more than the A-series you get from the bank brokerages (except Scotia iTrade, which allows its customers to buy their DYN f-series).

]]> Thu, 04 Jun 2026 02:45:36 -0700 rontcyip on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113561 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113561 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

]]> Thu, 04 Jun 2026 02:39:23 -0700 Norman1 on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113495 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113495 Rates stable since previous update.

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 1.95%
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%
]]> Thu, 28 May 2026 02:20:28 -0700 AltaRed on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113151 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113151 Yes, that is a good summary.

I don't care much about missing out on Sat or Sun lack of interest. It's about $5.34 per day before tax based on $100k @ 1.95%. That is a basic Starbucks offering. Buy when one has the money to buy and sell when one needs the money for something else.

Example: I got a stock dividend yesterday that was not posted until this morning May 1st in my BMOIL account. I will simply buy units BMO95142 today knowing full well it won't Settle until Monday afternoon. I have far too many other priorities to expend my time that wringing my hands about that.

]]> Fri, 01 May 2026 04:49:48 -0700 Rail Baron on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113150 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113150

AltaRed said
It is the same in reverse. A sale on Friday does not settle until Monday when the cash then becomes available. By definition, interest accrues through the weekend.

It is not complicated. Settlement day (T+1) is driving factor.  

So the moral of this story is to sell ISA units on a Friday, when possible, to pick up the weekend's interest and buy ISA units Monday to Thursday, to start earning interest sooner, rather than later.

]]> Fri, 01 May 2026 03:18:32 -0700 AltaRed on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113139 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113139 It is the same in reverse. A sale on Friday does not settle until Monday when the cash then becomes available. By definition, interest accrues through the weekend.

It is not complicated. Settlement day (T+1) is driving factor.

]]> Thu, 30 Apr 2026 10:03:56 -0700 Warwick111 on Brokerage investment savings accounts https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113138 General comparisons https://www.highinterestsavings.ca/forum/general-comparisons/brokerage-investment-savings-accounts/page-48/#p113138

Norman1 said
Because of the T+1 settlement, the ISA buy order would need to be entered before the cutoff on Thursday if one has funds arriving in the account Friday. That way, the ISA purchase will settle on Friday and the funds will start earning interest Friday instead of Monday.  

Thanks, Norman1, this is a good tip.

I supposed when I sell the ISA on Friday before the cutoff, I get to keep the interest from Friday to Sunday. Is that correct?

]]> Thu, 30 Apr 2026 08:58:25 -0700