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Email this4:23 pm
October 10, 2017
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My promo of 2.2% expired Nov 30 (I discovered I should have been watching the rates rise the last few months!), so I called today to see if they would match Wealth One's 3.25% HISA and they would (I don't live in Ontario where there is a higher HISA). But then he said there was a targeted promo being rolled out as of today, so be on the look out! So I transferred my money out anyways, so I can be ready if there will be a new money promo at some point
PS I am thinking I probably should have actually transferred out prior to my promo expiring, so that if I got a promo for new money, I could get it right away. Live and Learn
5:34 pm
December 7, 2011
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Tangerine also now offering the same 4.75% targeted from Dec 1 2022 to Mar 31 2023.
6:57 am
May 22, 2015
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My offer does not specify "new money". I hope they'll honor it as I didn't move the funds out before Dec 1st.
7:03 am
December 7, 2011
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This "Dec Savings Offer 2022" is for "all money", not only "new money".
10:08 am
January 12, 2019
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.
Thanks for the Heads-up ⬆
I'm surprised Tang consented to your request for such a high SA rate, given
that their regular rate is a paltry 1.00%. Maybe they're starting to get Hungry again. 
For short term stuff, I think I'll stick with what I got ... an Oaken HISA @ 3.40%, and Hubert's quarterly-cashable 1Yr GIC (first quarter @ 4.35%).
I'm sure gunna miss these sweet rates, when the interest rates start to head 'South' again (mid next year ❓).
Keep One Eye On The Horizon,
- Dean
" Live Long, Healthy ... And Prosper! "
10:46 am
December 2, 2022
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By reading the dec1 4.75% offer terms it doesn't mention new money , can someone confirm this new Dec 1 4.75% offer is for all balance (up to max limit) in the saving account? Does transfer funds from tang chequing to the targeted saving account also qualify 4.75%? Thanks
1:20 pm
January 9, 2011
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It will be interesting, in light of this, to see what they do (if anything) later in the month for those of us on the 4.30% ending December 31 new money offer.
The main accomplishment of almost all organized protests is to
annoy people who are not in them.
2:34 pm
September 24, 2019
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dougjp said
It will be interesting, in light of this, to see what they do (if anything) later in the month for those of us on the 4.30% ending December 31 new money offer.
I'm still on the 3.5% til end Dec on all deposits
2:34 pm
September 24, 2019
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dougjp said
It will be interesting, in light of this, to see what they do (if anything) later in the month for those of us on the 4.30% ending December 31 new money offer.
I'm still on the 3.5% til end Dec on all deposits
5:54 pm
April 14, 2021
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Alexandra said I'm still on the 3.5% til end Dec on all deposits
Same, here.
5:20 am
June 28, 2022
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yesmath said
(I don't live in Ontario where there is a higher HISA)
According to the HISA page on this website, Oaken is currently offering a non-promotional 3.4% rate for all of Canada.
Dean said
I'm sure gunna miss these sweet rates, when the interest rates start to head 'South' again (mid next year ❓).
Amen, Brother. I've been riding the promotions upward throughout 2022. I just calculated that the effect of inflation has increased my annual expenses by ~$750-$1000, while the increase from 1.55% that I was getting in January 2022 to the 4.6% that I'm receiving from HSBC has netted an additional $9100 for me this year. While my heart goes out to Canadians (such as my brother) who are being hurt by higher interest rates, I, personally, am benefiting quite tidily from the current situation.
5:26 am
September 6, 2022
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I received the promo email -- as well as a "heads-up" email a week earlier. The email states:
Here’s what you need to know:
1. Look out for a message from us dropping in your inbox on December 1, 2022.
2. In that email, activate your offer to earn your special rate.
3. To make the most of your special rate, just keep your money right where it is.
So no need to do the transfer out prediction then transfer back in.
5:48 am
September 11, 2013
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Nirvana7734, for completeness the other component of inflation calculation is that your capital/principal's purchasing power has been reduced, e.g. your million bucks last year can only buy $920K of stuff this year. If you never plan to touch your pile that may not matter to you.
5:56 am
November 8, 2018
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My promo expired on Nov 30, I have not received new promo offer from Tangerine. I am thinking they decided not to target me with their December 1 promo.
Not to spoil everyone's holiday time, but you do know that if your promo expires on December 30th, that does not guarantee you'll be offered new promo starting January 1st, right?
That's not such a big deal for me, as just like Nirvana7734 I am already enjoying additional income from interest in excess of additional expenses from inflation.
I am still with Meridian CU on their now 3.95% promo till mid-January. When it ends, I plan to move funds to Tangerine if I will get Tang promo offer by then, or to FI with the best interest rate if Tangerine keeps ignoring me.
6:04 am
November 8, 2018
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Bill said
Nirvana7734, for completeness the other component of inflation calculation is that your capital/principal's purchasing power has been reduced, e.g. your million bucks last year can only buy $920K of stuff this year. If you never plan to touch your pile that may not matter to you.
I am not Nirvana7734, but I thought of that, too, and here is my point of view.
You make good point, Bill. For someone whose total income including interest income exceeds expenses every year, does it really matter what the principal's purchasing power is?
My plan is not to die with $$$$ in my Savings and Investment accounts. My plan is to keep my finances in black for the rest of my life.
These are two different objectives.
6:29 am
October 5, 2017
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Alexandre said
I am still with Meridian CU on their now 3.95% promo till mid-January. When it ends, I plan to move funds to Tangerine if I will get Tang promo offer by then, or to FI with the best interest rate if Tangerine keeps ignoring me.
Same here, I haven't had an offer from Tang since early 2022.
Should I hold my breath for an offer or call in and ask for one?
If nothing happens it's off to Motive for 3% come mid January.
6:57 am
March 30, 2017
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bhuc said
Same here, I haven't had an offer from Tang since early 2022.
Should I hold my breath for an offer or call in and ask for one?
If nothing happens it's off to Motive for 3% come mid January.
these days calling in is a waste of time as the reps have zero wiggle room.
My stupid offer expires non cycle (today as oppose to end of Nov). Called in and they say they can offer me 3.5%, which is an insult.
6:57 am
November 18, 2017
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My priority is to not end up homeless before I die, given that my affordable digs will at some point be replaced by either funeral bills or high care-home costs. While I had long ladder amounts from before the COVID-19 crash and took only 1-year paper during it, I did pretty well over inflation during that time.
Not so any more. Inflation losses would easily outpace my income from all sources this year, were it not for my cheap rental. And having assets intact is key to sustaining income in the future, despite my not having anyone else depend on me now or in the future.
RetirEd
Like, who would I even want to leave anything for?
RetirEd
8:46 am
January 12, 2019
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Dean said
.
Thanks for the Heads-up ⬆I'm surprised Tang consented to your request for such a high SA rate, given
that their regular rate is a paltry 1.00%. Maybe they're starting to get Hungry again.For short term stuff, I think I'll stick with what I got ... an Oaken HISA @ 3.40%, and Hubert's quarterly-cashable 1Yr GIC (first quarter @ 4.35%).
I'm sure gunna miss these sweet rates, when the interest rates start to head 'South' again (mid next year ❓).
Keep One Eye On The Horizon,
Dean
Oops, forgot to mention . . .
No new Tang offers for me, this time around. My last one expired on Nov. 30th.
So as above ⬆, my short-term moolah stays with Oaken & Hubert.
C'est La Vie ❗
- Dean
" Live Long, Healthy ... And Prosper! "
11:15 am
April 14, 2021
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Nirvana7734 said
Amen, Brother. I've been riding the promotions upward throughout 2022. I just calculated that the effect of inflation has increased my annual expenses by ~$750-$1000, while the increase from 1.55% that I was getting in January 2022 to the 4.6% that I'm receiving from HSBC has netted an additional $9100 for me this year.
That's a pretty tidy sum, but I think it might be more accurate to compare post-tax income to expenses, since expenses are paid by post-tax dollars.
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