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Why are Ontario only (or other province-only) opportunities excluded from the list?
July 26, 2021
9:48 pm
smayer97
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The thread about Tandia and Saven (and others) keeps raising the question about this...

Why not include them? Could they simply not be marked as such?

Alternatively, what about setting up a province-only section on the list, or a separate list?

After all, these are still very good opportunities that a lot of readers of this forum would benefit from, and they do come up with enough frequency for consideration...

Considering that almost 1/3 of Canada's population is in Ontario, I suspect that a large majority of readers here are from Ontario.

@Peter, what is your take on this?

July 26, 2021
10:55 pm
HermanH
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If an institution, topic/thread, or forum is specific to only one province, how about designating it with a prefix such as ON-, PQ-, or BC-? Identifying subjects this way can allow readers to immediately ignore any with limitations.

Of course, what happens if they are available in 2 or more jurisdictions? 😉

July 26, 2021
11:05 pm
Loonie
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This question has come up repeatedly and has never been satisfactorily dealt with.

July 27, 2021
12:10 am
smayer97
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HermanH said
... what happens if they are available in 2 or more jurisdictions? 😉  

Highly unlikely.... either it is one province, all provinces, or all provinces excluding Quebec. I have yet to see any other combinations.

July 27, 2021
12:41 am
smayer97
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HermanH said
If an institution, topic/thread, or forum is specific to only one province, how about designating it with a prefix such as ON-, PQ-, or BC-? Identifying subjects this way can allow readers to immediately ignore any with limitations.

Of course, what happens if they are available in 2 or more jurisdictions? 😉  

So for offers excluding Quebec a suffix could be added - excl QC.

July 27, 2021
1:04 am
HermanH
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smayer97 said
either it is one province, all provinces, or all provinces excluding Quebec. I have yet to see any other combinations.  

So, it could work.

(nothing/blank/default)/CD/CN/CA to cover all of Canada,
2 letter provincial designation BC/AB/SK/MN/ON/PQ
-Q for all provinces except PQ

2-characters would be sufficient to cover the gamut of possibilities

July 27, 2021
8:55 am
cgouimet
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A column for each province which can be selectable or sortable so that you could easily collect all applicable ones for your jurisdiction ...

CGO
July 27, 2021
10:02 am
Rick
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smayer97 said
Why not include them? Could they simply not be marked as such?

Alternatively, what about setting up a province-only section on the list, or a separate list?

After all, these are still very good opportunities that a lot of readers of this forum would benefit from, and they do come up with enough frequency for consideration...

Considering that almost 1/3 of Canada's population is in Ontario, I suspect that a large majority of readers here are from Ontario.

@Peter, what is your take on this?  

Here you. Set up the charts and don't forget to link all the current rates, then set up a page for each in the forum.

List of all Credit Unions in Canada
1ST CHOICE SAVINGS & CREDIT UNION ACCELERATE FINANCIAL ACCENT CREDIT UNION
ACCESS CREDIT UNION ACHIEVA FINANCIAL ADJALA CREDIT UNION
ADVANCE SAVINGS CREDIT UNION AFFINITY CREDIT UNION AIRLINE FINANCIAL CREDIT UNION
ALDERGROVE CREDIT UNION ALL TRANS FINANCIAL SERVS. CREDIT UNION ALTERNA SAVINGS & CREDIT UNION
ALTERNA SAVINGS AND CREDIT UNION ALTERNA SAVINGS-THRESHOLD & CREDIT UNION ALTERNA SAVINGS/EXCHANGE NETWORK
AMARANTH CREDIT UNION APPLE COMMUNITY CREDIT UNION ARNSTEIN COMMUNITY CREDIT UNION
ASSINIBOINE CREDIT UNION ATLANTIC CENTRAL AUSTIN CREDIT UNION
AUTO WORKERS COMMUNITY CREDIT UNION BAY CREDIT UNION BAYSHORE CREDIT UNION
BAYVIEW CREDIT UNION BCUF-STABILIZATION BOARD BEAUBEAR CREDIT UNION
BEAUMONT CREDIT UNION BEAUMONT SAVINGS & CREDIT UNION BEAUTIFUL PLAINS CREDIT UNION
BELGIAN-ALLIANCE CREDIT UNION BENGOUGH CREDIT UNION BIGGAR & DISTRICT CREDIT UNION
BLACK & MCDONALD EMPLS (TOR) CREDIT UNION BLACKVILLE CREDIT UNION BLUESHORE FINANCIAL
BOOMERANG CREDIT UNION BOW VALLEY CREDIT UNION BRIDGEWATER BANK (CUCA INTERNAL)
BRUNO SAVINGS & CREDIT UNION BUDUCHNIST CREDIT UNION BULKLEY VALLEY CREDIT UNION
CAISSE POPULAIRE LAGACEVILLE LIMITEE CAISSE POPULAIRE SUD-EST LTEE CALGARY POLICE CREDIT UNION
CAMBRIAN CREDIT UNION CAN SAFEWAY LTD EMP SVGS & CREDIT UNION CANAL CITY SAVINGS AND CREDIT UNION
CARPATHIA CREDIT UNION CASERA CREDIT UNION CATALYST CREDIT UNION
CCB EMPLOYEES CREDIT UNION CCEC CREDIT UNION CENTRAL 1 CREDIT UNION
CHEC CREDIT UNION CHINOOK CREDIT UNION CHRISTIAN CREDIT UNION
CHURCH RIVER CREDIT UNION CHURCHBRIDGE CREDIT UNION CITIZENS CREDIT UNION
CITY PLUS CREDIT UNION CITY SAVINGS & CREDIT UNION CN (LONDON) CREDIT UNION
COAST CAPITAL SAVINGS CREDIT UNION COASTAL COMMUNITY CREDIT UNION COLUMBIA VALLEY CREDIT UNION
COMMUNICATION TECHNOLOGIES CREDIT UNION COMMUNITY FIRST CREDIT UNION COMMUNITY SAVINGS CREDIT UNION
COMPENSATION EMPLOYEES CREDIT UNION CONCENTRA FINANCIAL CONCENTRA FINANCIAL CORPORATE BANKIN
CONEXUS CREDIT UNION COPPERFIN CREDIT UNION CORNERSTONE CREDIT UNION
CREATIVE ARTS SAVINGS & CREDIT UNION CREDIT UNION CENTRAL ALBERTA LTD CREDIT UNION CENTRAL OF MANITOBA LTD
CREDIT UNION CENTRAL OF NOVA SCOTIA CREDIT UNION CENTRAL OF SASKATCHEWAN CREDIT UNION MANAGER ASSOCIATION
CRESTON & DISTRICT CREDIT UNION CROCUS CREDIT UNION CROSSROADS CREDIT UNION
CROSSTOWN CIVIC CREDIT UNION CUCC SETTLEMENT CUCS - INTERNAL
CYPRESS CREDIT UNION DALHOUSIE INDUSTRIAL CREDIT UNION DEBDEN CREDIT UNION
DELISLE CREDIT UNION DIAMOND NORTH CREDIT UNION DODSLAND & DISTRICT CREDIT UNION
DUCA FINANCIAL SERVICES CREDIT UNION DUNDALK DISTRICT CREDIT UNION DUNNVILLE & DISTRICT CREDIT UNION
EARL GREY CREDIT UNION EAST KOOTENAY COMMUNITY CREDIT UNION ECKVILLE DISTRICT SAVINGS & CREDIT UNION
EDAM CREDIT UNION EDSON SAVINGS & CREDIT UNION EDUCATION CREDIT UNION
ENDERBY & DISTRICT CREDIT UNION ENTEGRA CREDIT UNION ENVISION FINANCIAL
EQUITY CREDIT UNION INC. ERICKSON CREDIT UNION ESPANOLA & DISTRICT CREDIT UNION
ESTONIAN (TORONTO) CREDIT UNION EVERLINK PAYMENT SERVICES FED EMPLOYEES (KINGSTON) CREDIT UNION
FINNISH CREDIT UNION FIRST CALGARY FINANCIAL CREDIT UNION FIRST CREDIT UNION
FIRST ONTARIO CREDIT UNION FLIN FLON CREDIT UNION FOAM LAKE SAVINGS & CREDIT UNION
FORT ERIE COMMUNITY CREDIT UNION FORT YORK COMMUNITY CREDIT UNION FRONTLINE FINANCIAL CREDIT UNION
GANARASKA CREDIT UNION GODERICH COMMUNITY CREDIT UNION GOLDEN HORSESHOE CREDIT UNION
GOODSOIL CREDIT UNION GOVAN CREDIT UNION GRAND FORKS DISTRICT SVGS CREDIT UNION
GRANDVIEW CREDIT UNION GREATER VANCOUVER COMMUNITY CREDIT UNION GSW (FERGUS) CREDIT UNION
GULF & FRASER FISHERMEN'S CREDIT UNION GULL LAKE & DISTRICT CREDIT UNION H.M. DALEY MEMORIAL BURSARY
HALD-NOR COMMUNITY CREDIT UNION HAMILTON MUNICIPAL EMPLYS CREDIT UNION HAMILTON TEACHERS CREDIT UNION
HEALTH CARE CREDIT UNION HERBERT SAVINGS & CREDIT UNION HERITAGE CREDIT UNION
HERITAGE SAVINGS & CREDIT UNION INC HORIZON CREDIT UNION HUDSON BAY CREDIT UNION
IMPLICITY FINANCIAL INDUSTRIAL SVGS & CREDIT UNION INGLEWOOD SAVINGS & CREDIT UNION
INNOVATION CREDIT UNION INTEGRIS CREDIT UNION INTERIOR SAVINGS CREDIT UNION
ISLAND SAVINGS CREDIT UNION ITALIAN CANADIAN CREDIT UNION ITALIAN CANADIAN SAVINGS & CREDIT UNION
KAWARTHA CREDIT UNION KERROBERT CREDIT UNION KHALSA CREDIT UNION
KINGSTON COMMUNITY CREDIT UNION KOOTENAY SAVINGS CREDIT UNION KOREAN (TORONTO) CREDIT UNION
KOREAN CATHOLIC CHURCH CREDIT UNION KREK SLOVENIAN CREDIT UNION LA SALLE CREDIT UNION
LABATTS EMPLS (TORONTO) CREDIT UNION LADYSMITH & DISTRICT CREDIT UNION LAFLECHE CREDIT UNION
LAFONTAINE CREDIT UNION LAKE VIEW CREDIT UNION LAKELAND CREDIT UNION
LAMBTON FINANCIAL CREDIT UNION LANDIS CREDIT UNION LATVIAN CREDIT UNION
LEGACY SAVINGS & CREDIT UNION LEROY CREDIT UNION LETHBRIDGE LEGION SAV & CREDIT UNION
LIBRO CREDIT UNION LIUNA LOCAL 183 CREDIT UNION LONDON FIRE FIGHTERS CREDIT UNION LD
LUMINUS FINANCIAL SERVICE & CREDIT UNION LUSELAND CREDIT UNION MACKLIN CREDIT UNION
MAINSTREET CREDIT UNION MAXA FINANCIAL MEDIA GROUP FINANCIAL CREDIT UNION
MEDIAN CREDIT UNION MEMBER SAVINGS CREDIT UNION MEMBERONE CREDIT UNION
MENNONITE SAVINGS AND CREDIT UNION MERIDIAN CREDIT UNION MINNEDOSA CREDIT UNION
MOMENTUM CREDIT UNION MORSE CREDIT UNION MOTOR CITY COMMUNITY CREDIT UNION
MOUNT LEHMAN CREDIT UNION MOUNTAIN VIEW CREDIT UNION NELSON & DISTRICT CREDIT UNION
NEW BRUNSWICK TEACHERS ASSOCIATION NEW COMMUNITY CREDIT UNION NEWFOUNDLAND & LABRADOR CREDIT UNION
NIVERVILLE CREDIT UNION NORTH PEACE SAVINGS & CREDIT UNION NORTH SHORE DIRECT
NORTH VALLEY CREDIT UNION NORTH WINNIPEG CREDIT UNION NORTHERN CREDIT UNION
NORTHERN LIGHTS CREDIT UNION NORTHERN SAVINGS CREDIT UNION NORTHLAND SAVINGS AND CREDIT UNION
NOVENTIS CREDIT UNION OAKBANK CREDIT UNION OMISTA CREDIT UNION
ONTARIO CHARITABLE FOUNDATION ONTARIO CIVIL SERVICE CREDIT UNION ONTARIO EDUCATIONAL CREDIT UNION
ONTARIO PROV POLICE ASSOC CREDIT UNION OSHAWA COMMUNITY CREDIT UNION OSOYOOS CREDIT UNION
OTTAWA POLICE CREDIT UNION OUTLOOK FINANCIAL PACE SAVINGS AND CREDIT UNION
PARAMA LITHUANIAN CREDIT UNION PEGASUS SAVINGS & CREDIT UNION PENFINANCIAL CREDIT UNION
PEOPLES CREDIT UNION PETERBOROUGH COMMUNITY CREDIT UNION PIERCELAND CREDIT UNION
PIGEON PARK SAVINGS PINCHER CREEK CREDIT UNION PLAINSVIEW CREDIT UNION
PORCUPINE CREDIT UNION PORTAGE CREDIT UNION PORTUGUESE CANADIAN (TOR) CREDIT UNION
PRAIRIE CENTRE CREDIT UNION PRAIRIE MOUNTAIN CREDIT UNION PRAIRIE PRIDE CREDIT UNION
PROGRESSIVE CREDIT UNION PROPERITY ONE CREDIT UNION PROSPERA CREDIT UNION
PROSPERA ELECTRONIC DELIVERY SERVICE PROSPERITY ONE CREDIT UNION PROVINCIAL ALLIANCE CREDIT UNION
QUINTESSENTIAL CREDIT UNION RADIUS CREDIT UNION RAYMORE CREDIT UNION
RESURRECTION CREDIT UNION REVELSTOKE CREDIT UNION RIVER CITY CREDIT UNION
ROCKGLEN-KILLDEER CREDIT UNION ROCKY CREDIT UNION RORKETON & DISTRICT CREDIT UNION
ROSENORT CREDIT UNION ROYGLENOR SAVINGS & CREDIT UNION S.G.E. SAVINGS AND CREDIT UNION
SAGE CREDIT UNION SALMON ARM SAVINGS AND CREDIT UNION SANDHILLS CREDIT UNION
SANDY LAKE CREDIT UNION SASKATOON CITY EMPLOYEES CREDIT UNION SAUGEEN COMMUNITY CREDIT UNION
SERVUS CREDIT UNION SHARONS CREDIT UNION SHAUNAVON CREDIT UNION
SHELL EMPLOYEES CREDIT UNION SLOVENIA PARISHES TORONTO CREDIT UNION SMITHS FALLS COMMUNITY CREDIT UNION
SOUTHLAKE REG HEALTH CTR EMPLS CREDIT UNION SOUTHWEST REGIONAL CREDIT UNION SPIRITWOOD CREDIT UNION
SPRUCE CREDIT UNION ST GREGOR CREDIT UNION ST STANISLAUS-ST CASIMIR'S CREDIT UNION
ST THOMAS DISTRICT TEACHERS CREDIT UNION ST THOMAS PROV CIVIL SERVANTS CREDIT UNION ST. GREGOR CREDIT UNION
STANCO CREDIT UNION STARBUCK CREDIT UNION STARNEWS CREDIT UNION
STATE FARM (TORONTO)CREDIT UNION STEINBACH CREDIT UNION STOUGHTON CREDIT UNION
STRATHCLAIR CREDIT UNION STRATHFINER CREDIT UNION SUDBURY CREDIT UNION
SUMMERLAND & DISTRICT CREDIT UNION SUNOVA CREDIT UNION SUNRISE CREDIT UNION
SUNSHINE COAST CREDIT UNION SWAN VALLEY CREDIT UNION SYNERGY CREDIT UNION
TAIWANESE-CANADIAN TORONTO CREDIT UNION TALKA CREDIT UNION TANDEM FINANCIAL CREDIT UNION
TCU FINANCIAL GROUP THAMESVILLE COMMUNITY CREDIT UNION THE ENERGY CREDIT UNION
THE FIRE DEPARTMENT EMPLOYEES CREDIT UNION THE POLICE CREDIT UNION THOROLD COMMUNITY CREDIT UNION
TORONTO MUNICIPAL EMPLS CREDIT UNION TRANSCANADA CREDIT UNION TRANSCANADA PIPELINES EMPL CREDIT UNION
TURTLEFORD CREDIT UNION UKRAINIAN CREDIT UNION UNION BAY CREDIT UNION
UNITED COMMUNITIES CREDIT UNION UNITED EMPLOYEES CREDIT UNION UNITY CREDIT UNION
UNIVERSITY HOSPITALS STAFF CREDIT UNION UTILITIES EMPLS (WINDSOR) CREDIT UNION V P CREDIT UNION
VALLEY FIRST VANCITY - PREPAID VISA VANCITY - VISA
VANCOUVER CITY SAVINGS CREDIT UNION VANGUARD CREDIT UNION VANTAGEONE CREDIT UNION
VERMILION CREDIT UNION VICTORY COMMUNITY CREDIT UNION VIRTUAL ONE CREDIT UNION
VISION CREDIT UNION WAINWRIGHT CREDIT UNION WESTMINSTER SAVINGS CREDIT UNION
WESTOBA CREDIT UNION WETASKIWIN CREDIT UNION WEYBURN CREDIT UNION
WILLIAMS LAKE AND DISTRICT CREDIT UNION WINDSOR FAMILY CREDIT UNION WINNIPEG POLICE CREDIT UNION
YORKTON CREDIT UNION YOUR CREDIT UNION YOUR NEIGHBOURHOOD CREDIT

July 27, 2021
10:42 am
smayer97
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Not sure if your reply is serious or sarcastic...

There is no need to list ALL the FIs...the site is all about identifying the best opportunities; therefore, when one is a valid candidate it ought to be included, regardless of limitation.

After all, all offers have some form of limitation... new vs existing client, new vs existing funds, period of time, etc etc...

July 27, 2021
3:57 pm
Peter
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At some point, I do hope to come up with and implement some interface to filter listings by province, at least on the main comparison chart.

July 27, 2021
5:29 pm
smayer97
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Peter said
At some point, I do hope to come up with and implement some interface to filter listings by province, at least on the main comparison chart.  

Actually, upon review, I think you can do it with what you have now with a minor change and very little effort... You already address the "excluding Quebec" scenario. Here is a suggestion to accommodate the other scenarios:

- replace the QC column with Prov
- contents of this column could be labelled 'All', 'x-QC', or specific province

where 'All' means available to residence of any province, 'x-QC' meaning excluding Quebec, and 'ON', 'MB', etc for any offer that is limited to a residents of a specific province.

I have yet to see offers that are only offered to only a few select provinces beyond these choices.

July 27, 2021
8:11 pm
HermanH
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smayer97 said
Actually, upon review, I think you can do it with what you have now with a minor change and very little effort... You already address the "excluding Quebec" scenario. Here is a suggestion to accommodate the other scenarios:

- replace the QC column with Prov
- contents of this column could be labelled 'All', 'x-QC', or specific province

where 'All' means available to residence of any province, 'x-QC' meaning excluding Quebec, and 'ON', 'MB', etc for any offer that is limited to a residents of a specific province.

That might work for the chart, but does not filter or help the various discussion fora or threads.

Whereas, slapping a 2-letter provincial prefix onto specifically limited threads, sub-fora, or the chart covers all three areas uniformly and consistently.

July 27, 2021
9:45 pm
AltaRed
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The bigger question may be what audience is one trying to attract and why. 80/20 solutions seem to optimize value for the bulk of any membership.

What is the point of trying to get the next 80% out of the remaining 20%? Where does one stop? A chart of 30? A chart of 100? Where is the value cutoff? Who determines it other than Peter?

As an example, I am not a big user of this forum despite my post count. I am not going to filter through a chart bigger than what is already presented. I'd just move on if the chart got any larger than it is.

July 27, 2021
10:33 pm
Vatox
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AltaRed said
The bigger question may be what audience is one trying to attract and why. 80/20 solutions seem to optimize value for the bulk of any membership.

What is the point of trying to get the next 80% out of the remaining 20%? Where does one stop? A chart of 30? A chart of 100? Where is the value cutoff? Who determines it other than Peter?

As an example, I am not a big user of this forum despite my post count. I am not going to filter through a chart bigger than what is already presented. I'd just move on if the chart got any larger than it is.  

Agreed. The Chart needs to fit on one page and any juicy offers of other FIs can just be posted by users in the Forums. That Coast Capital 4.0% offer, from long ago, was simply mentioned and many of us used it.

July 27, 2021
11:43 pm
Loonie
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AltaRed said
The bigger question may be what audience is one trying to attract and why. 80/20 solutions seem to optimize value for the bulk of any membership.

What is the point of trying to get the next 80% out of the remaining 20%? Where does one stop? A chart of 30? A chart of 100? Where is the value cutoff? Who determines it other than Peter?

As an example, I am not a big user of this forum despite my post count. I am not going to filter through a chart bigger than what is already presented. I'd just move on if the chart got any larger than it is.  

This need not be a big issue. At any given time, only a handful of FIs are offering outstanding rates, and we all know who they are if we are reading all the threads. Peter already has some sort of criteria as to the cutoffs, the point at which forum members are not going to be interested. I think there is plenty of room as there are always some on the chart already that attract little to no interest. To optimize the usefulness of the chart, add or delete FIs that do or do not have good offers.

AltaRed, you have said before that you only buy GICs through your brokerage, so, unless you have changed your mind, it would seem you aren't going to use the chart regardless of any changes that may be made in the structure of the chart.

July 28, 2021
12:04 am
Rick
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smayer97 said
Not sure if your reply is serious or sarcastic...

There is no need to list ALL the FIs...the site is all about identifying the best opportunities; therefore, when one is a valid candidate it ought to be included, regardless of limitation.

After all, all offers have some form of limitation... new vs existing client, new vs existing funds, period of time, etc etc...  

Serious....every credit union on that list will have a special one time or another. The point was it's a lot of work to keep this site up to date. Any thing other than the current criteria would just be TMI....and I use the charts frequently. I think the non-listed promos that come up every odd time are well represented in the forum. I don't need to sort through pages upon pages of CUs listed that I have no ability to utilize. We already get enough Ontario offers taking up forum space. It's called the "CANADIAN HIGH INTEREST SAVINGS..." forum, not the Ontario HISBA Forum.

PS...thanx for your efforts Peter et al. Keep up the good work!

July 28, 2021
12:49 am
smayer97
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Loonie said

This need not be a big issue. At any given time, only a handful of FIs are offering outstanding rates, and we all know who they are if we are reading all the threads. Peter already has some sort of criteria as to the cutoffs, the point at which forum members are not going to be interested. I think there is plenty of room as there are always some on the chart already that attract little to no interest. To optimize the usefulness of the chart, add or delete FIs that do or do not have good offers.

...

Exactly... let's not make a mountain out of a molehill. The extra entries would end up being minimal... AND when FIs no longer qualify they come off anyway, so this list would not grow large.

HermanH said
... but does not filter...

If there are only a few extra entries at any given time, this would not be a great issue. The list does sort, so that would be good enough.

Let's not allow the perfect to be the enemy of the good.

July 28, 2021
9:09 am
Dean
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smayer97 said

. . .

Let's not allow the perfect to be the enemy of the good.
 
 

Voltaire (and I) would agree ❗

At some point you just have to declare that; 'It's Good Enough'.
.

    Dean

sf-cool " Live Long And Prosper " sf-cool

July 28, 2021
9:41 am
AltaRed
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Loonie said
AltaRed, you have said before that you only buy GICs through your brokerage, so, unless you have changed your mind, it would seem you aren't going to use the chart regardless of any changes that may be made in the structure of the chart.  

You are right that I am not interested* in GICs. I had made the assumption we were primarily talking about HISA accounts (recognizing that whatever is listed on the HISA chart is also on the GIC chart).

I'd give up looking at a HISA chart that I'd have to scroll down more than I already do.

* I no longer buy GICs anywhere actually.

July 28, 2021
9:55 am
smayer97
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Dean said

smayer97 said

. . .

Let's not allow the perfect to be the enemy of the good.
 
 

Voltaire (and I) would agree ❗

At some point you just have to declare that; 'It's Good Enough'.
.

    Dean

  

And just to be clear on my part, the "good" is to somehow include province-only offers too, which based on my proposal, requires very little effort but provides a lot of benefit.

Please write your comments in the forum.