# FUC Money Deals

> Canadian savings rates and promos in plain words: what you'd earn in dollars, who can get it, and the catch. Checked against each bank's page weekly.

Facts about how to read this site:
- Rates are annual percentages. Dollar amounts are for $10,000, compounded monthly, before tax.
- A bot reads each institution's own pages every week. Every number shown must appear in a quoted sentence from that page, or the deal isn't shown.
- This is information, not financial advice. Confirm the terms with the institution before opening an account.
- We are not paid by any of the institutions listed.

## Promos (6)
- [CIBC: eAdvantage Savings promo](https://deals.fucmoney.com/deals/b1905952-ff75-49c0-931c-8be28340bc44): 4.6% for 90 days. About $114 on $10,000, before tax. For anyone new to this account. The catch: Rate drops to 0.30%–0.60% after 90 days, and non-transfer transactions cost $5 each.
- [RBC Royal Bank: RBC High Interest eSavings promo](https://deals.fucmoney.com/deals/5b979d51-d0b1-4a36-b2f6-b757a0e18f59): 4.6% for 90 days. About $114 on $10,000, before tax. For anyone new to this account. Sign up by Oct 27, 2026. The catch: Promotional rate drops to 0.55% after 90 days, applies only to first-time account holders, and caps at $1,000,000.
- [Tangerine: Registered savings promo for new clients](https://deals.fucmoney.com/deals/8d4dcd5c-9615-41dd-b237-fc1455c71a29): 5% for 153 days. About $211 on $10,000, before tax. For new clients. Sign up by Nov 30, 2026. The catch: Opening a non-registered account first starts the 5-month timer, reducing the promotional period available for registered accounts.
- [Scotiabank: Scotia High Interest Savings Account promotional rate](https://deals.fucmoney.com/deals/d5281b03-0847-4861-b616-dd908ae3ae74): 0%–5% for 90 days. About $106 on $10,000, before tax. For anyone new to this account. The catch: Earns 0% if total relationship balance is under $10,000; excluded if you held HISA or MomentumPLUS in last 2 years.
- [Simplii Financial: High Interest Savings Account welcome offer](https://deals.fucmoney.com/deals/fe5b64c6-cdf1-4168-a88a-3b353a9dd873): 4.6% for 153 days. About $194 on $10,000, before tax. For new clients. Sign up by Oct 31, 2026. The catch: Promotional rate applies only up to $200,000 for 153 days; standard rates drop to 0.30% afterward.
- [Tangerine: Savings promo for new clients](https://deals.fucmoney.com/deals/a94f318b-b3ea-4dd5-a8ed-aa9d528db908): 4.5% for 153 days. About $190 on $10,000, before tax. For new clients. Sign up by Nov 30, 2026. The catch: The 153-day promo clock starts when the first account is opened and is shared with any subsequent accounts.

## Ongoing rates (32)
- [Haventree Bank: Everyday Growth Account](https://deals.fucmoney.com/deals/e96b516b-2b7c-4ce5-ad7c-bdb0a5b16a9f): 2.5% interest, no end date. About $253 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: No debit cards or ATM access; transfers must be completed via EFT or Interac e-Transfer. Not available in Quebec.
- [Bridgewater Bank: Smart eSavings](https://deals.fucmoney.com/deals/4406bd4d-f713-42d7-9d52-6b4b4c4e3366): 2.7% interest, no end date. About $273 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Only one free withdrawal per month; subsequent withdrawals cost $5 each. Opening requires mailing or providing a personal cheque.
- [EQ Bank: Personal Account with direct deposit](https://deals.fucmoney.com/deals/a7e0cca1-a31a-43dd-8ee3-83e13066539d): 2.75% interest, no end date. About $278 on $10,000 a year, before tax. Needs: Direct deposits of at least $2,000 each month. Open to everyone. The catch: Requires recurring direct deposits of at least $2,000 every month to maintain the rate.
- [EQ Bank: Personal Account standard rate](https://deals.fucmoney.com/deals/fc7b6a81-97d6-43f0-a07f-7b3997723af4): 1.5% interest, no end date. About $151 on $10,000 a year, before tax. Open to everyone.
- [EQ Bank: 30 Day Notice Savings Account](https://deals.fucmoney.com/deals/f577dad4-0ee3-41ff-a439-1c5d3ebeb8b8): 2.75% interest, no end date. About $278 on $10,000 a year, before tax. Open to everyone. The catch: Withdrawals require 30 days advance notice.
- [EQ Bank: 10 Day Notice Savings Account](https://deals.fucmoney.com/deals/6b3864c0-9a11-45f2-b34b-d2ab4bf1ee7d): 2.35% interest, no end date. About $238 on $10,000 a year, before tax. Open to everyone. The catch: Withdrawals require 10 days advance notice.
- [EQ Bank: US Dollar Account](https://deals.fucmoney.com/deals/5a473fea-ce9d-4125-89e9-d085aa017764): 2.5% interest, no end date. About $253 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Not available to residents of Quebec; deposits are held in US dollars.
- [EQ Bank: TFSA Cash Savings Account](https://deals.fucmoney.com/deals/2cec9c0b-264f-4cf3-8c73-27bfaf0794b2): 1.5% interest, no end date. About $151 on $10,000 a year, before tax. Open to everyone. The catch: Subject to annual TFSA contribution limits.
- [EQ Bank: RRSP & FHSA Cash Savings Accounts](https://deals.fucmoney.com/deals/4b1ed3ad-ff43-4965-a8e4-a3fb696282ba): 1.5% interest, no end date. About $151 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Not available in Quebec; subject to registered contribution limits.
- [CIBC: eAdvantage Savings](https://deals.fucmoney.com/deals/91ff6611-02ec-4640-968d-2b1732bb4b2f): 0.3%–0.6% interest, no end date. About $30 on $10,000 a year, before tax. Open to everyone. The catch: Non-transfer transactions cost $5 each.
- [CIBC: US$ Personal Account](https://deals.fucmoney.com/deals/860ab156-bb72-4b42-ac4b-68d2b5270b4b): 0.05%–0.25% interest, no end date. About $10 on $10,000 a year, before tax. Open to everyone. The catch: Balances under $10,000 earn only 0.05% interest.
- [Neo Financial: Neo Savings with Essentials](https://deals.fucmoney.com/deals/44b9d718-d708-43aa-b0c6-c2f2f6c26209): 2% interest, no end date. About $202 on $10,000 a year, before tax. Open to everyone.
- [Neo Financial: Neo Savings with Build membership](https://deals.fucmoney.com/deals/80a5c211-2399-4644-8437-9ef982ff3557): 2.5% interest, no end date. About $133 on $10,000 a year, before tax. Needs: Build membership. Open to everyone. The catch: Requires a Build membership costing up to $9.99 per month.
- [Neo Financial: Neo Savings with Grow membership](https://deals.fucmoney.com/deals/1ed5192a-8bd2-47b4-947b-d259f3266b85): 2.75% interest, no end date. About $99 on $10,000 a year, before tax. Needs: Grow membership. Open to everyone. The catch: Requires a Grow membership costing $14.99 per month.
- [TD Canada Trust: TD Growth Savings Account](https://deals.fucmoney.com/deals/17668856-5531-4ae7-9507-bc89ab8a3db7): 0%–0.65% interest, no end date. About $40 on $10,000 a year, before tax. Open to everyone. The catch: Balances under $10,000 earn 0% interest without an eligible linked chequing account.
- [TD Canada Trust: TD High Interest TFSA Savings Account](https://deals.fucmoney.com/deals/76530740-d55a-48fb-a57c-85fca18d73cd): 0.3% interest, no end date. About $30 on $10,000 a year, before tax. Open to everyone. The catch: Subject to statutory Tax-Free Savings Account contribution limits.
- [National Bank: High Interest Savings Account](https://deals.fucmoney.com/deals/5894dab0-baab-4d7e-b62d-992f85f3e72b): 0.55% interest, no end date. About $55 on $10,000 a year, before tax. Open to everyone. The catch: Debit transactions incur fees up to $5, with only one free ABM withdrawal per month.
- [Canadian Tire Bank: High Interest Savings Account](https://deals.fucmoney.com/deals/ff7fc19e-4c55-4223-9eb8-dde713eee189): 2.4% interest, no end date. About $243 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Not available to residents of Quebec; account is not operational until a Direct Transfer Authorization Form is submitted.
- [Wealthsimple: Chequing standard interest](https://deals.fucmoney.com/deals/9a3194b0-7fca-46ca-b9db-a184d9b2b93c): 1.25%–2.25% interest, no end date. About $126 on $10,000 a year, before tax. Open to everyone. The catch: Rate depends on total assets held with Wealthsimple across all accounts.
- [Simplii Financial: High Interest Savings Account standard rate](https://deals.fucmoney.com/deals/747b5669-71cc-4690-a5a9-6bcf3a259b02): 0.3%–1% interest, no end date. About $30 on $10,000 a year, before tax. Open to everyone. The catch: Standard interest rates are tiered and start as low as 0.30% on balances up to $50,000.
- [Oaken Financial: Oaken Savings Account](https://deals.fucmoney.com/deals/096132f6-e9f8-4f86-a341-a2fe57902db5): 2.8% interest, no end date. About $284 on $10,000 a year, before tax. Open to everyone. The catch: Registered savings accounts only allow a set number of free transactions within a given period.
- [Wealth One Bank of Canada: Registered High Interest Savings Account](https://deals.fucmoney.com/deals/4b026743-a7c0-41ff-ae36-bfc5758741f9): 3% interest, no end date. About $304 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Subject to annual TFSA/RRSP contribution room; unavailable to Quebec residents.
- [Tangerine: Savings Account standard rate](https://deals.fucmoney.com/deals/cfed7d7b-efe8-4371-bff6-87018d3d7067): 0.3% interest, no end date. About $30 on $10,000 a year, before tax. Open to everyone. The catch: The standard rate is 0.30%.
- [TD Canada Trust: TD ePremium Savings Account](https://deals.fucmoney.com/deals/ff04e0d5-a6cd-4e20-b491-0189c57a93b5): 0%–0.45% interest, no end date. About $45 on $10,000 a year, before tax. Open to everyone. The catch: Balances under $10,000 earn 0% interest, and non-exempt debit transactions cost $5.00 each.
- [TD Canada Trust: TD Growth Savings Account with boosted rate](https://deals.fucmoney.com/deals/8611c662-4707-4487-9130-8939cefaa5cf): 0%–1.5% interest, no end date. About $100 on $10,000 a year, before tax. Needs: Eligible TD chequing account (Unlimited Chequing, All-Inclusive Banking Plan, or Wealth Private Banking Chequing). Open to everyone. The catch: Requires maintaining an eligible TD chequing account and completing two qualifying transactions each month.
- [National Bank: USD Progress Account](https://deals.fucmoney.com/deals/a7de7e4e-8fb3-4a54-b5b8-8709db74db0d): 0%–0.1% interest, no end date. About $10 on $10,000 a year, before tax. Open to everyone. The catch: Requires a balance of at least $10,000 to earn the top rate of 0.10%.
- [National Bank: Cash Advantage Solution](https://deals.fucmoney.com/deals/d74359d5-da4d-4841-8196-0a9a943082de): 0.55%–2.25% interest, no end date. About $65 on $10,000 a year, before tax. Open to everyone. The catch: Tiered rates start at 0.55% and require balances of $100,000 or more to earn 1.75%.
- [Wealthsimple: Chequing interest with direct deposit](https://deals.fucmoney.com/deals/899e99a3-d32d-47e9-873e-85e3d349673e): 1.75%–2.25% interest, no end date. About $176 on $10,000 a year, before tax. Needs: Direct deposit at least $2,000 into chequing account within a 30-day period. Open to everyone. The catch: Requires at least $2,000 in direct deposits every 30 days; Generation clients already receive 2.25% and do not get an extra boost.
- [RBC Royal Bank: RBC High Interest eSavings](https://deals.fucmoney.com/deals/657bbc12-392e-40d3-9028-6de7611e1798): 0.55% interest, no end date. About $55 on $10,000 a year, before tax. Open to everyone. The catch: Only 1 free ATM cash withdrawal per month; debit transactions are $5.00 each and Interac e-Transfers are $1.00 each.
- [Scotiabank: Scotia High Interest Savings Account standard rate](https://deals.fucmoney.com/deals/7b2c7965-f818-4652-a1bf-5e10b1a32d6d): 0%–2.2% interest, no end date. About $151 on $10,000 a year, before tax. Open to everyone. The catch: Earns 0% interest unless your total relationship balance across eligible Scotiabank accounts is at least $10,000.
- [Saven Financial: High Interest Savings Account](https://deals.fucmoney.com/deals/62c0c774-2bc1-43fc-be6a-96fe516a1091): 2.85% interest, no end date. About $289 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Requires a $25 membership share investment and smartphone app; not available in Quebec.
- [Wealth One Bank of Canada: High Interest Savings Account](https://deals.fucmoney.com/deals/b7e3dbb6-fbcc-41a8-9058-409538c2ccc4): 2.6%–3% interest, no end date. About $263 on $10,000 a year, before tax. Open to everyone. Not available in QC. The catch: Not available to residents of Quebec.

## Pages
- [All deals](https://deals.fucmoney.com/): promos and ongoing rates, sortable by what you'd earn.
- [How it works](https://deals.fucmoney.com/how-it-works): how deals are found, checked and approved.