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Email this2:30 pm
September 30, 2017
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I saw this on Instagram just now!
The Offer is valid starting August 31, 2026, and until December 31, 2026. Eligibility is tricky. It must be the first HISA in that account type.
3:15 pm
April 21, 2022
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Tricky indeed, it requires a thorough reading of the terms and conditions. I'm out, too restrictive. It's definitely different from their previous promotional offers.
3:56 pm
September 7, 2018
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JohnnyCash said
Tricky indeed, it requires a thorough reading of the terms and conditions. I'm out, too restrictive. It's definitely different from their previous promotional offers.
Not all that different from prior Meridian CU HISA promo in that the objective is to get you to put your funds on deposit in the HISA at expiry of the promo into mutual funds with Aviso, a partner of Meridian. You will be marketed quite agressively by a rep (who no doubt is on commission) as the expiry date gets closer. Meridian CU, no thank-you.
6:51 pm
November 27, 2025
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Condition 8: . The same Eligible Account type cannot have been held by the Eligible Member during the preceding 365 days from the date the Eligible Account is opened
This condition will make many savings account promotion churners ineligible.
8:57 am
January 1, 2018
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yeah it looks like the old 180 Day Rule since having an active HISA is gone; I participated in the 4.70% promo late in 2025, that ended (for me) in early April/26, so will not be able to join in the fun this time around. 🙁
4:49 pm
August 27, 2026
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How does insurance work with Ontario Credit Union? I believe it is capped at $250,000. Is this per person, or is it per name/account, like with the CDIC?
4:53 am
August 27, 2026
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Why is this not listed under Promos?
7:26 am
September 30, 2017
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Still considering ...
If I were to treat this like a S/T GIC (& w/o any other Meridian accounts), is there a no cost route to get funds out at the end of the six months? ... assuming I could write a cheque for the initial deposit at the account opening.
Pls let me know if you have 1st-person experience. I will double check at Meridian for sure.
@JohnnyC Thanks for the respond. Good thing the Offer is till Dec 31st
8:08 am
May 15, 2007
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I had to Google this to find the page: https://www.meridiancu.ca/pers.....gs-account
For some reason I couldn't figure out how to navigate to it from the Meridian homepage or the HISA page.
8:29 am
April 21, 2022
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hwyc said
Still considering ...If I were to treat this like a S/T GIC (& w/o any other Meridian accounts), is there a no cost route to get funds out at the end of the six months? ... assuming I could write a cheque for the initial deposit at the account opening.
Pls let me know if you have 1st-person experience. I will double check at Meridian for sure.
Yes, you can do eft pulls from another institution at no cost. I've done multiple pulls from Manulife. I'm not eligible for the current promo, but that's my experience with past offers.
6:53 pm
March 17, 2022
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Can this promo be opened by someone not in Ontario? Can I open it if I reside in British Columbia?
9:11 pm
April 9, 2019
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Rasher said
Can this promo be opened by someone not in Ontario? Can I open it if I reside in British Columbia?
Last year I used one from BC, worked ok. I did everything on the phone and sent them a cheque for deposit.
6:39 am
July 4, 2024
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Meridian T&C:
16. If an amount greater than $250,000.00 is deposited into an Eligible Account during the Promotional Period (not including interest), the excess amount over $250,000.00 will be transferred to a separate, additional HISA, within the same registered contract number if applicable. The deposits in the additional HISA will earn interest at the Posted Rate and are not eligible to earn the Promotional Rate.
6:49 am
August 27, 2026
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Unlike SCU, not all of the money will be covered by deposit insurance after $250,000 if it is not in a registered account (RRSP, TFSA, etc.).
Also, do you receive any dividends or member bonuses, like at SCU, in addition to the interest rate?
2:47 pm
January 1, 2018
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Markus said
Condition 8: . The same Eligible Account type cannot have been held by the Eligible Member during the preceding 365 days from the date the Eligible Account is openedThis condition will make many savings account promotion churners ineligible.
Jim Sherat said
yeah it looks like the old 180 Day Rule since having an active HISA is gone; I participated in the 4.70% promo late in 2025, that ended (for me) in early April/26, so will not be able to join in the fun this time around. 🙁
Not so after all ... the prior promo I referred to was 'Joint' with my wife. Turns out we are BOTH eligible for this promo, but only as a single account ie. not Joint.
So the plan is to open a new HISA in my wife's name towards the end of this month, when we will have sufficient New funds available to make it a worthwhile exercise. Yippee ! 😉
6:03 pm
April 21, 2022
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Well, the response must have been overwhelming, they've reduced the promo offer to 3.55%
8:39 pm
September 30, 2017
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That's looking bad for publicity … only two weeks, Meridian have to tweak the offer.
It would be better to come out with a shorter promo period with a higher promo rate instead.
On a different note. Because I applied and held a Meridian CC first, I no longer qualified to receive bonus as a referee for opening my first banking account as well. Not in a hurry any more!
1:20 pm
April 15, 2024
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JohnnyCash said
Well, the response must have been overwhelming, they've reduced to promo offer to 3.55%
That 4.4% offer is still on their website, through your link and elsewhere.
Did they now switch back again to 4.4%? I'm confused.
3:06 pm
November 27, 2025
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They did switch it from 4.4% to 3.5%, then back to 4.4% over a course of 4 hours.
3:28 am
September 29, 2017
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It looks like all they were attempting to do is correct the wording, because the original stated that they would ADD 4.4% to the posted rate. Then they corrected that, and people read the new wording to say 3.55% TOTAL.
The correct wording, as it stands now, is that they add 3.55% to the posted rate, for a total of 4.4%.
