Grow your money with our
High Interest Savings Account bonus
Benefits
HISA options
Money saved in a HISA is accessible any time with the benefit of higher returns and no withdrawal penalties.
A Tax-Free Savings Account gives you flexibility by avoiding withdrawal penalties and taxes on earned interest. Contribution limits apply.
A Registered Retirement Savings Plan gives you the flexibility to adjust your savings strategy and postpone income taxes. Contribution limits apply.
The sooner you start the longer your money will earn more.
Any new deposits you make into your eligible HISA between October 1, 2026, and March 1, 2027, that you didn't already have with us before October 1, 2026, will be considered as Eligible New Money. This amount is calculated by comparing the total value in all of your deposit accounts (chequing, savings, and term deposits) during the Promotion Period to the balances you had before the promotion started.
View our full Terms and Conditions (PDF) and refer to 'Total Balance' and 'Eligible New Money' or contact us to speak to an advisor for more details.
Yes. The Bonus rate applies to Eligible New Money deposited in your Eligible Account(s) up to a Maximum Deposit of $350,000 per Eligible Account. View our full Terms and Conditions (PDF) and refer to 'Maximum Deposit', and 'Eligible Account(s)' or speak to an advisor for more details.
Eligible Account means any personal High Interest Savings Account (HISA) that is non-registered and is held by one owner or has a maximum of two account owners, a Tax-Free Savings Account (TFSA) HISA or Registered Retirement Savings Plan (RRSP) HISA. Please note, Commercial High Interest Savings Account is not eligible for the offer.
Please view the full Terms and Conditions (PDF) and refer to ‘Eligible Account’ or contact us to speak to an advisor for more details.
Yes! If you already have an eligible High Interest Savings Account, you will automatically earn the Bonus Rate for any Eligible New Money you add to your account. View our full Terms and Conditions (PDF) and refer to 'Total Deposit Balance', and 'Eligible New Money' or contact us to speak to an advisor for more details.
Please refer to the full Terms and Conditions (PDF) for the Bonus Rate in effect for the duration of the Promotion Period and applicable to Eligible New Money.
When the New Money HISA Bonus Promotion Period ends, all funds deposited in the eligible High Interest Savings Account will only earn the regular interest rate in effect at such time.
Each day during the Promotion Period, you will earn interest on your Eligible New Money at the Bonus Rate. To qualify for this Bonus Rate, you need to deposit money into an Eligible Account from sources outside of Tru Cooperative Bank. To continue earning the Bonus Rate, your Total Balance and HISA balance must be higher than the balances you had before the Promotion Period started.
Please refer to the full Terms and Conditions (PDF) and details under 'Eligible New Money' and 'Interest Calculation & Payment'.
If you wish to transfer your current TFSA or RRSP from a different financial institution to us, a fee will generally apply. We will cover the cost of this fee up to $100.00 for any transfers totaling $10,000 or more.
Registered Transfer Fee Reimbursement Program Terms and Conditions (PDF).
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Interest rate is the combination of the Regular Rate in effect at such time and posted on our Personal Account Rates website page plus the 3.61% Bonus Rate payable on Eligible New Money received between October 1, 2026– March 1, 2027 from sources other than any account you hold with Tru Cooperative Bank. Regular interest rates will apply after March 1, 2027. The Regular Rate is subject to change at any time without notice. Rates are expressed as an annual rate and calculated on the daily account closing balance and paid monthly. Bonus Amount earned will vary based on transaction(s) for example, deposits and withdrawals, the starting deposit balance(s), and new amount deposited into the Eligible Account(s). Please refer to the full Terms and Conditions (PDF). Offer subject to change at any time without notice. Eligible new money limits apply.
This account calculates interest based on the tier to which the entire daily closing balance corresponds. The interest calculates daily and is paid at month end. Interest rates and balance tiers are subject to change at any time without advance notice.
Bonus amount earned will be impacted by day-to-day transactions made by You and/or an additional joint owner (if applicable), such as withdrawals and deposits in comparison to starting Total Balance, starting Eligible Account balance and money deposited into the Eligible Account(s). The bonus rate is applicable to a maximum of $350,000 of Eligible New Money per account.
