Dean said
.
Great News❗

My 4.25% SA special interest rate offer @ Tang (expiring Oct. 31), just got Extended to Jan. 31, '27.

Anyone else❓
Dean  

I've read elsewhere clients are being given extensions, it's a sign they need and want the deposits to stay. This is a consequence of the volatility in global bond markets. Tangerine is getting a good deal at 4.25% compared to their alternatives.

My 4.25% SA special interest rate offer @ Tang (expiring Oct. 31), just got Extended to Jan. 31, '27.

Anyone else❓

Dean

CGO said

Sounds like my wife's combo of offers.

If you go to one of the HISA's covered by both, select "Account Details". You should see the Tiered Rate your total qualified deposits you're at (3% if => $100k) and that you also are getting 4.25% on new deposits until Nov 30.  

While my wife was on the tier, she had $60k qualified and thus getting 2.5%. When the new $ @4.25% landed, she added $40k. Now at $100k+, she gets 3% on the old $60k and 4.25% on the new $40k. I did the math on the Oct $ and confirmed it materialized as such.

Then I got 4.75% thru Dec 31. So, moved all $ from her account to mine.

Bill said
Thanks, CGO, you're right.

And if I click on More Info it says "Bring your money where it can make money. From August 26, 2026 to November 30, 2026, your eligible new deposits are earning 4.25%* interest.* Here’s what you need to know: This rate only applies to new deposits to your eligible savings account(s), on up to $1,000,000.00 per eligible account type.* Existing balances in your eligible savings accounts, before August 26, 2026, will keep earning your applicable Tiered Savings Rate for maximum momentum."

Seems to be at odds with what legal stuff fine print said, best not to read the fine print I guess.  

I read your first post as tired rates came first. Condition was prior offer if any to be completed before the tier took effect. Then later came 4.25% on top of the tier with no ned to complete the tier offer first.

And if I click on More Info it says "Bring your money where it can make money. From August 26, 2026 to November 30, 2026, your eligible new deposits are earning 4.25%* interest.* Here’s what you need to know: This rate only applies to new deposits to your eligible savings account(s), on up to $1,000,000.00 per eligible account type.* Existing balances in your eligible savings accounts, before August 26, 2026, will keep earning your applicable Tiered Savings Rate for maximum momentum."

Seems to be at odds with what legal stuff fine print said, best not to read the fine print I guess.

Bill said
I'm on Tangerine tiered rates until Dec 31. Say I have $100K there.

A while ago I got another offer giving me 4.25% until Nov 30 on additional deposits after a certain date. Say I deposited another $100K after that date.

So I assumed I was getting the tiered rates on first $100K and then 4.25% on the second $100K.

I just noticed the tiered rate conditions state "If you’re on another savings promo right now, Tangerine Tiered Savings Rates won’t kick in until that one ends."

Does that mean the tiered rates no longer apply to the first $100K, i.e. I'm now only getting Tangerine's regular .3% rate on that $100K? Anybody know?  

Sounds like my wife's combo of offers.

If you go to one of the HISA's covered by both, select "Account Details". You should see the Tiered Rate your total qualified deposits you're at (3% if => $100k) and that you also are getting 4.25% on new deposits until Nov 30.

A while ago I got another offer giving me 4.25% until Nov 30 on additional deposits after a certain date. Say I deposited another $100K after that date.

So I assumed I was getting the tiered rates on first $100K and then 4.25% on the second $100K.

I just noticed the tiered rate conditions state "If you’re on another savings promo right now, Tangerine Tiered Savings Rates won’t kick in until that one ends."

Does that mean the tiered rates no longer apply to the first $100K, i.e. I'm now only getting Tangerine's regular .3% rate on that $100K? Anybody know?

anitavirginia said
Help, only for this topic does this happen.
when I go back to the list of unread topics after i have read this one, it still shows that this topic is unread.
Does anyone know how I can fix this.
Thanks.  

At the top right of the page, click the icon circled in the attached screenshot. It will mark all threads as being read and you’ll start fresh. I had this happen recently and discovered its purpose. I use it all the time now when I have read all the threads that interest me and don’t care about the others.

fully-retired said
Received this 4.75% promo yesterday. Had just finished nice Tang promo Sept/30. Cleaned it out to Oaken for 2.8%. Will bring it back Mon. Have 3 nice GICs coming due in 2 weeks from Hubert. Will bring them over to Tang till Dec 31 then get 3 GICs from Scrivens broker. I must have gotten lucky, only 9 days between promos.  

It's not so much luck as it's a sign they need deposits, good for us though. I have another FI that just did something similar and it was only 5 days in between, very unusual for them, if not unheard of. Even at 4.75% it's still probably cheaper than their alternatives at the moment for short term cash.

I have $500K + coming due late October elsewhere, but it seems like a hassle to move it for 60 days.

The math is simple to do for me. It's unregistered, so fully taxable at 30% +/- .

(500K * 1.0475) = 23,750 Annual Interest
23,750 /6 = 3958 - 2 month Interest

Leave it in Oaken 2.8% HISA
500K * 1.0285 = 14,250 Annual Interest
14,250/6 = 2375 - 2 month interest.

3958-2375 = $1483.00 Difference

After 30% tax: $1038.10

Not a lot of money difference after that on $500K, and another complication is for my estate if I keep moving money to lord knows where and I die 🙂

Also: My tax might be higher than 30% this year, and HISA may go up in the meantime.

I understand Tangerine doing it, mostly counting on once you move it there you will leave it here. But for me it's to much falling for their game 🙂

Dean said

Ditto ⬆️

You're not the only one❗ Tangerine works in Mysterious Ways ... with no known method to their madness.
Dean  

Yes, it's madness. Then, you get an offer. It's no longer madness.

Spouse is been on a OK tier 3.0% @ > $100k since Jul. Then got 4.25% on top of the tier for new $ thru Nov 30.

I have been on a lousy tier 1.0% @ > $100k since Dec. No $ there. Then just got 4.75% on new $ thru Dec. Lots of $ there now waiting in HISA to see where bonds push GIC's to...