Canadian High Interest Savings Bank Accounts - Forum: Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/ Simple:Press Version 6.11.10 GR on New Promo 18 Month GIC @ 3.60% https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-18-month-gic-3-60170db656851e4ba0bbb0172adbff8e98b00f3f2a863d04a6db807939861278d6/#p114880 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-18-month-gic-3-60170db656851e4ba0bbb0172adbff8e98b00f3f2a863d04a6db807939861278d6/#p114880 The GIC promo rate for 18 months dropped back to 3.70 p.a. for new money and 3.25% otherwise.

]]> Thu, 10 Sep 2026 06:59:47 -0700 Jim Sherat on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114863 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114863

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 opened

This condition will make many savings account promotion churners ineligible.  

<br

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 ! 😉

]]> Wed, 09 Sep 2026 07:47:47 -0700 Freedom on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114847 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114847 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?

]]> Tue, 08 Sep 2026 23:49:28 -0700 ipro31 on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114846 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114846 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.

]]> Tue, 08 Sep 2026 23:39:43 -0700 AndreyG on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114842 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114842

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.

]]> Tue, 08 Sep 2026 14:11:17 -0700 Rasher on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114840 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114840 Can this promo be opened by someone not in Ontario? Can I open it if I reside in British Columbia?

]]> Tue, 08 Sep 2026 11:53:46 -0700 RetirEd on Refer-a-Friend Bonus https://www.highinterestsavings.ca/forum/meridian-credit-union/refer-a-friend-bonus/#p114780 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/refer-a-friend-bonus/#p114780 Wow... another outfit trying to narrow people's banking options by increasing the cost of each institution one deals with.

]]> Sun, 06 Sep 2026 08:39:22 -0700 hwyc on Refer-a-Friend Bonus https://www.highinterestsavings.ca/forum/meridian-credit-union/refer-a-friend-bonus/#p114770 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/refer-a-friend-bonus/#p114770 It is 2026. Looks like the 'Refer a Friend' is now online only

https://www.meridiancu.ca/pers.....difference

Welcome to Meridian
To get your $100 welcome bonus and start experiencing the Meridian Difference, follow four easy steps. One thing to remember before you begin: open your account online and enter your friend's referral code as you go, since accounts opened in-branch aren't eligible for the bonus.

... *chequing* account only!

]]> Sun, 06 Sep 2026 00:56:38 -0700 JohnnyCash on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114749 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114749

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.

]]> Sat, 05 Sep 2026 01:29:06 -0700 Peter on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114747 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114747 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.

]]> Sat, 05 Sep 2026 01:08:19 -0700 hwyc on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114744 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114744 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

]]> Sat, 05 Sep 2026 00:26:27 -0700 Freedom on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114740 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114740 Why is this not listed under Promos?

]]> Fri, 04 Sep 2026 21:53:38 -0700 Freedom on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114673 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114673 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?

]]> Wed, 02 Sep 2026 09:49:35 -0700 Jim Sherat on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114667 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114667 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. 🙁

]]> Wed, 02 Sep 2026 01:57:02 -0700 Markus on Earn 4.40% for 6 months https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114662 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/earn-4-404c029a7bff1505a157fa5912357a392512675964f00ba0111bdbfd8ab3e1534c-for-6-months/#p114662 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.

]]> Tue, 01 Sep 2026 11:51:35 -0700