Tandia Financial Credit Union GIC rates compared
Tandia Financial Credit Union's best posted rate is 3.30% on a 5-year term. The best rate available in Canada for that term is 4.30%, from WealthONE Bank of Canada. Both are covered, Tandia Financial Credit Union by FSRA.
Get Tandia GICsHow do Tandia Financial Credit Union's GIC rates compare to the best in Canada?
On a 5-year term Tandia Financial Credit Union posts 3.30% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | Tandia Financial Credit Union | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 2.65% | 3.70% | −1.05 pts | WealthONE Bank of Canada |
| 2-year | 2.85% | 3.95% | −1.10 pts | WealthONE Bank of Canada |
| 3-year | 3.10% | 4.05% | −0.95 pts | WealthONE Bank of Canada |
| 4-year | 3.25% | 4.10% | −0.85 pts | WealthONE Bank of Canada |
| 5-year | 3.30% | 4.30% | −1.00 pts | WealthONE Bank of Canada |
Is Tandia Financial Credit Union's GIC covered by FSRA?
Yes, though not by CDIC. Tandia Financial Credit Union is a credit union regulated in Ontario, so its deposits are protected to $250,000 by the Financial Services Regulatory Authority of Ontario rather than to CDIC's $100,000. The deposit itself is held by Alterna Savings and Credit Union Limited, which means it shares that limit with anything else you hold there.
Ontario. Eligible deposits in registered accounts are covered without limit; non-registered deposits are covered to $250,000.
Where do these Tandia Financial Credit Union rates come from?
Directly from Tandia Financial Credit Union's own posted rate page at tandia.com, read by hand on 2026-09-06. Tandia Financial Credit Union does not date its posted rates, so the read date is the only currency guarantee available.
All 10 terms Tandia Financial Credit Union posts were captured in that read. No aggregator, no feed, no affiliate link.
Tandia Financial Credit Union's posted rates on tandia.comHow we collect and check ratesWho should buy a GIC from Tandia Financial Credit Union?
People who already bank at Tandia Financial Credit Union, mostly. It does not lead any term we track, so what is left is the convenience of not moving money, priced below.
Common questions about Tandia Financial Credit Union GICs
What is Tandia Financial Credit Union's minimum GIC deposit?
$500. Published minimums across the 23 institutions that state one run $100 to $1,000.
Does Tandia Financial Credit Union have the best GIC rate in Canada?
Not on a 5-year term. Tandia Financial Credit Union posts 3.30% there, against 4.30% from WealthONE Bank of Canada: a gap of 1.00 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does Tandia Financial Credit Union offer?
10 terms are posted on tandia.com, from 30–59 days to 5 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does Tandia Financial Credit Union pay GIC interest monthly?
Tandia Financial Credit Union does not post a separate interest-paid-monthly rate on tandia.com, so we do not publish one. Where an issuer posts one it is always lower than the compounding rate, which makes it worth asking before you choose monthly income.
Are these Tandia Financial Credit Union rates promotional?
No. These are Tandia Financial Credit Union's standard posted rates, read from tandia.com on 2026-09-06. Tandia Financial Credit Union does not date its posted rates, so that read date is the only currency guarantee available here. Limited-time promotions are noted separately rather than used to move an institution up the ranking.
How we collect and check ratesWhat would Tandia Financial Credit Union's 4-year rate pay on your deposit?
On $50,000 it pays $6,824 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
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One email a month with the best verified rate for every term, read off 28 issuers' own pages the same way every rate on this site is.
Independent and unaffiliated. Rates are read from Tandia Financial Credit Union's own posted page at tandia.com and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.