Northern Birch TSFA Saver GIC 5%

A Tax-Free Savings Account (TFSA) is an excellent tool to grow your wealth. To help you jumpstart your TFSA contribution growth, we encourage you to take advantage of the Northern Birch Early Bird TFSA Saver.

When you deposit your TFSA contribution into the Early Bird TFSA Saver, your money will go into a high-interest GIC where it will earn 5.00% interest until December 31, 2026.

In January 2027, the principal amount will automatically go into your Northern Birch TFSA plan, counting towards your 2027 contribution limit. (Note: Any interest earned in the Early Bird TFSA Saver is taxable.)

Get 1% cash back up to $3,000** when you transfer $10,000 or more of eligible registered investments such as a TFSA, RRSP, RRIF or FHSA to Northern Birch.

Plus, we’ll cover transfer costs up to $150.†

Offer details:
Minimum transfer: $10,000
Transfer in a registered product — Eligible transfers can include TFSAs, RRSPs, FHSAs, and RRIFs.
We’ll cover the transfer fees — Receive up to $150 reimbursement oftransfer fees when you transfer an eligible registered product to Northern Birch.
Use this code at time of transfer: TRANSFERINBONUS2026

*2026 Early Bird TFSA Saver Campaign Terms and Conditions:

Eligible for Ontario residents aged 18 and older who are members of Northern Birch Credit Union. The promotion is open from October 1, 2026, to December 31, 2026.

Minimum contribution of $100. There is no maximum contribution for the Early Bird TFSA Saver promotion. Eligible deposits must be made between October 1, 2026 to December 31, 2026. All interest rates are calculated per annum. Interest accumulates from the date of deposit until December 31, 2026, and will be automatically deposited into the member’s active chequing or savings account on December 31, 2026. Interest accumulated during the promotion is subject to applicable taxation.

By making an Early Bird TFSA Saver GIC deposit, the member designates the principal to enter their Northern Birch Credit Union TFSA plan. Funds designated for the TFSA will be automatically transferred in January 2027 and count towards their 2027 TFSA contribution. Members remain fully responsible for tracking their personal TFSA contribution limits and communicating the desired contribution amounts to Northern Birch Credit Union.

Rates are subject to change at any time without prior notice.

**1% Transfer-In Cash Back Bonus Offer

Members who transfer an existing registered product from another financial institution into Northern Birch Credit Union are eligible for a 1.00% cash back bonus on the transferred balance, up to a maximum payout of $3,000.

Eligibility & Minimums: “New money/funds” refers to eligible registered funds transferred directly from another financial institution that were not previously held with Northern Birch Credit Union. A minimum one-time transfer amount of $10,000 into a new or existing Northern Birch Credit Union registered product (including TFSA, RRSP, FHSA, RRIF) is required to qualify.

Bonus Claim & Holding Period: Promo code TRANSFERINBONUS2026 must be specified at the time of transfer initiation. The full transferred deposit balance must remain within the designated registered product at Northern Birch Credit Union through June 30, 2027. The transfer-in must be initiated before December 31st, 2026.

The cash back bonus will be credited to the member’s active Northern Birch Credit Union chequing or savings account after June 30, 2027. Baseline balances as of the promotion start date will be used to establish net new fund eligibility.

This promotion is subject to change at any time without prior notice.

†Transfer Fee Reimbursement:

Northern Birch Credit Union may reimburse members up to $150 for transfer fees charged by the transferring financial institution, paid to an active chequing or savings account upon receipt of valid proof of fee assessment. This reimbursement is on eligible transfers-in of $10,000 or more. This fee will be reimbursed once the transferred-in funds are received by Northern Birch Credit Union.

This promotion is subject to change at any time without prior notice.

‡2026 1-Year GIC Term Deposit special at 4.00% for new funds

Offer available to approved Northern Birch Credit Union members who deposit minimum of $10,000 of new funds into a new 1-year term deposit. Registered and non-registered products held with Northern Birch (TFSA, RRSP, RRIF, FHSA) are eligible.

For the purpose of this promotion, “new money” or “new funds” refers to eligible funds that are newly deposited to Northern Birch Credit Union and were not held with us prior to the promotion start date of October 1, 2026. Additionally, your starting cash balance as of the promotion start date will be used as a reference point to determine eligibility.

The annual rate of 4.00% applies to deposit amounts of $10,000 or more coming from another financial institution. Deposits must be made in one lump sum.

Mention code NEWMONEYFALL at the time of deposit to take advantage of the special rate.

The interest rate is calculated per annum and paid out at maturity. The offer is available for a limited time and subject to change at any time without advance notice. Rates are subject to change at any time without advance notice. Additional promotional offers may not apply, such as an additional bonus rate.

Statistics: Posted by Leasiderin — Oct 15th, 2026 8:23 am

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