{"id":2993,"date":"2023-12-29T00:00:00","date_gmt":"2023-12-29T08:00:00","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=2993"},"modified":"2025-01-15T11:22:17","modified_gmt":"2025-01-15T19:22:17","slug":"best-high-interest-tfsa","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-tfsa","title":{"rendered":"Best Tax-Free Savings Account Rates in Canada for 2025"},"content":{"rendered":"\n<div class=\"wp-block-group is-style-disclosure is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"\">Many or all of the products featured here are from <a href=\"https:\/\/www.nerdwallet.com\/ca\/nerdwallet-partners\">our partners<\/a> who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.<\/p>\n<\/div>\n\n\n\n<p class=\"\"><strong>ALSO CONSIDER:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/banking\/best-high-interest-savings-accounts\">Best high-interest savings accounts<\/a> | <a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/banking\/best-high-interest-rrsp\">Best high-interest registered retirement savings plans (RRSPs)<\/a>&nbsp;|&nbsp;<a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/banking\/best-savings-accounts\">Best savings accounts<\/a>&nbsp;| <a href=\"https:\/\/www.nerdwallet.com\/ca\/p\/best\/banking\/best-online-savings-accounts\">Best online savings accounts<\/a><\/p>\n\n\n\n<p class=\"\">Tax-free savings accounts (TFSAs) are a type of registered plan that earns tax-free interest. High-interest TFSAs act like regular savings accounts but with tax-sheltered benefits.<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"#the-best-high-interest-tfsas-in-canada\">Our picks for the best TFSA HISAs<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#top-hisa-tfsa-rates\">Other top high-interest TFSA rates in Canada<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"#things-to-know-TFSA\">What to know about tax-free savings accounts<\/a><\/li>\n<\/ul>\n\n\n\t<div class=\"c-block-table-of-contents nw-table-of-contents wp-block-table-of-contents \">\n\t\t<div class=\"c-block-table-of-contents__table-wrapper c-block-table-of-contents--scrollable\">\n\t\t\t<h2 id=\"summary-of-our-picks-for-the-best-high-interest-tfsas\"  class=\"c-block-table-of-contents__title\">Summary of our picks for the best high-interest TFSAs<\/h2>\n\t\t\t<ul class=\"c-block-table-of-contents__links\">\n\t\t\t\t<li class=\"c-block-table-of-contents__link\"><a href=\"#manulife-bank-tax-free-advantage-account\">Manulife Bank Tax-Free Advantage Account<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#tangerine-tax-free-savings-account\">Tangerine Tax-Free Savings Account<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#wealthone-tax-free-savings-account\">WealthONE Tax-Free Savings Account<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#saven-financial-tfsa\">Saven Financial TFSA<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#canadian-tire-tax-free-high-interest-savings-account\">Canadian Tire Tax Free\u00ae High Interest Savings Account<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#motive-financial-tfsa-savings-account\">Motive Financial TFSA Savings Account<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#achieva-financial-tfsa-savings-account\">Achieva Financial TFSA Savings Account<\/a><\/li><li class=\"c-block-table-of-contents__link\"><a href=\"#steinbach-credit-union-tfsa-variable-savings\">Steinbach Credit Union TFSA Variable Savings<\/a><\/li>\t\t\t<\/ul>\n\t\t\t<div class=\"c-block-table-of-contents__show-more--wrapper\">\n\t\t\t\t<span class=\"c-block-table-of-contents__show-more\">\n\t\t\t\t\t<label class=\"show-more-label\" for=\"c-block-table-of-contents__show-more\">Show more<\/label>\n\t\t\t\t\t<label class=\"hide-more-label\" for=\"c-block-table-of-contents__show-more\">Show less<\/label>\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\n\n\n\n<div id=\"js-page-top\">\n\t<section class=\"c-block-product-card-list c-keto-product-cards-list__wrapper c-keto-product-cards-list__page-top container\" id=\"\">\n\t\t\n\t\t\n\t\t\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__4027\" id=\"manulife-bank-tax-free-advantage-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"manulife-bank-tax-free-advantage-account\"  class=\"c-keto-product-card__title\">Manulife Bank Tax-Free Advantage Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"387\" height=\"290\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-387x290.jpeg\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Manulife Bank Tax-Free Advantage Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-387x290.jpeg 387w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-300x225.jpeg 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-768x576.jpeg 768w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-280x210.jpeg 280w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-276x207.jpeg 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-100x75.jpeg 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-460x345.jpeg 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-40x30.jpeg 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank-150x113.jpeg 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/02\/manulife-bank.jpeg 800w\" sizes=\"(max-width: 387px) 100vw, 387px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"4.80%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4.80%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<b>Why we like it<\/b>\r\n<br><br>\r\n<ul>\r\n<li>The Tax-Free Advantage Account earns high interest on your cash and offers easy access to your money when you need it. \r\n<li>Manulife Bank has provided Canadians with branchless banking since 1993. Services include chequing and savings, credit cards, mortgages, loans, and investment accounts.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>No monthly fee.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Access money when you need it with no penalties for withdrawals. To withdraw, use an official cheque, transfer to another bank account, or transfer to another TFSA account of the same account holder. <\/li>\n<li>Other Manulife Bank TFSA investment options include Tax-Free Guaranteed Investment Certificates, available in one to five-year terms, and investment accounts, such as managed portfolios and mutual funds. RRSPs and RRIFs are also available. <\/li>\n<li>Deposits and withdrawals are free.<\/li>\n<li>No fee to transfer to another TFSA account of the same account holder. <\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3901\" id=\"tangerine-tax-free-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"tangerine-tax-free-savings-account\"  class=\"c-keto-product-card__title\">Tangerine Tax-Free Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"95\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-460x95.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Tangerine Tax-Free Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-460x95.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-300x62.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-375x77.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-276x57.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-100x21.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-40x8.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine-150x31.png 150w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/tangerine.png 640w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"4.50%*\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t4.50%*\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--wrapper js-tooltip-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--icon js-tooltip-icon\" role=\"img\" aria-label=\"Driver info icon\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-info--content js-tooltip-content\" role=\"dialog\" aria-label=\"More information about Interest Rate\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"c-keto-product-card__driver-info--pointer\" role=\"img\" aria-label=\"driver-info-pointer\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t0.30% regular interest rate. The Tangerine New Client 4.50% Interest Rate Offer (the &quot;Offer&quot;) is available to new Tangerine Clients who: (a) have a Client Number created between December 18, 2024 and March 31, 2025, and (b) open an Eligible Savings Account as the Primary Account Holder within 60 days of the date their Client Number was created.\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPromotional rate\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>This flexible, no-fee TFSA comes with a generous promotional offer that will earn you cash and a high rate of return for five months.         \r\n<li>Tangerine is a subsidiary of Scotiabank and offers chequing and savings accounts, GICS, registered accounts, credit cards, mortgages, loans and investment products. Read our <a>review of Tangerine<\/a> for more information. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>0.30% regular interest rate.<\/li>\n<li>No monthly fee.<\/li>\n<li>Automated savings program available.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Other Tangerine TFSA investment options include Tax-Free GICs, available in 90-day to 5-year terms, and investment accounts and portfolios.<\/li>\n<li>Service fees are <a href=\"https:\/\/www.tangerine.ca\/file_source\/fberoot\/pdf\/en\/en_fair_fees_schedule.pdf\">listed online<\/a>.<\/li>\n<li>Deposits and withdrawals are free.<\/li>\n<li>$50 fee to transfer your TFSA to another bank (transferring in another TFSA is free).<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3938\" id=\"wealthone-tax-free-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"wealthone-tax-free-savings-account\"  class=\"c-keto-product-card__title\">WealthONE Tax-Free Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"73\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"WealthONE Tax-Free Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-460x73.png 460w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/wealthone-375x59.png 375w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"2.50%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2.50%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t$1,000 opening deposit required\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Use this no-fee TFSA to earn tax-free interest in an easy, flexible way.\t\r\n<li>WealthONE Bank of Canada is a Canadian Schedule 1 bank that serves all Canadians including the newcomers. It has two offices in Toronto and Vancouver and offers online banking, a mobile app and competitive interest rates. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>No monthly fee.<\/li>\n<li>Automated savings program available. Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Other Wealth One TFSA investment options include guaranteed investment certificates, available in 6-month to 5-year terms, and investment accounts and portfolios through Smart Money Invest.<\/li>\n<li>Service fees are <a href=\"https:\/\/www.wealthonebankofcanada.com\/Personal\/BecomingAClient\/ServiceFees\/\">listed online<\/a>.<\/li>\n<li>Deposits and withdrawals are free.<\/li>\n<li>$50 fee to transfer your TFSA to another bank (transferring in another TFSA is free).<\/li>\n<li>$100 fee to close your TFSA account.<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__74833\" id=\"saven-financial-tfsa\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"saven-financial-tfsa\"  class=\"c-keto-product-card__title\">Saven Financial TFSA<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"409\" height=\"123\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Saven Financial TFSA\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial.png 409w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-300x90.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-375x113.png 375w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-276x83.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-100x30.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-40x12.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/10\/saven-financial-150x45.png 150w\" sizes=\"(max-width: 409px) 100vw, 409px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.50%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.50%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Saven Financial TFSA earns you an attractive interest rate with an option to grow your tax-free savings in a GIC.\r\n<li>Saven Financial is a division of FirstOntario Credit Union. The credit union offers attractive perks and interest rates on savings accounts and GICs. Not available to Quebec residents.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Grow savings in a high interest savings account, tax free.<\/li>\n<li>Interest is calculated daily and paid on a monthly basis.<\/li>\n<li>No monthly fees or minimum balance requirements.<\/li>\n<li>Potentially earn higher returns with a GIC.<\/li>\n<li>Get unlimited free transfers. Contribution and transfer limits apply.<\/li>\n<li>Eligible deposits covered under the Financial Services Regulatory Authority of Ontario\u2019s (FSRA) deposit insurance program.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3879\" id=\"canadian-tire-tax-free-high-interest-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"canadian-tire-tax-free%c2%ae-high-interest-savings-account\"  class=\"c-keto-product-card__title\">Canadian Tire Tax Free\u00ae High Interest Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"172\" height=\"42\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/CTFS.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Canadian Tire Tax Free\u00ae High Interest Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/CTFS.png 172w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/CTFS-100x24.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/CTFS-40x10.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/CTFS-150x37.png 150w\" sizes=\"(max-width: 172px) 100vw, 172px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.00%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.00%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNo minimum balance required\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>This online-only high-interest TFSA features all the benefits of Canadian Tire\u2019s \u2018Money Magnet\u2019 HISA, with tax-free advantages.\t\r\n<li>Canadian Tire Bank (CTB) is a federally chartered virtual bank that operates the Triangle Rewards Program and offers credit cards, savings accounts, and GICs.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>3.00% variable interest rate. Interest is calculated daily, based on the closing balance of the account, and paid monthly.<\/li>\n<li>No monthly fee.<\/li>\n<li>Automatic savings plan available.<\/li>\n<li>Manage your money by phone or through online banking.<\/li>\n<li>Other Canadian Tire TFSA investment options include Tax-Free GICs, available in one to five-year terms.<\/li>\n<li>Service fees are <a href=\"https:\/\/www.myctfs.com\/SharedContent\/documents\/tcs_deposit.pdf\">listed online<\/a>.<\/li>\n<li>Deposits and withdrawals are free.<\/li>\n<li>$50 fee to transfer your TFSA to another bank (transferring in another TFSA is free).<\/li>\n<li>No minimum balance.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li>\n<li>This account is not available to Qu\u00e9bec residents.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3930\" id=\"motive-financial-tfsa-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"motive-financial-tfsa-savings-account\"  class=\"c-keto-product-card__title\">Motive Financial TFSA Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"1\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/motive-logo.svg\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Motive Financial TFSA Savings Account\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"2.75%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2.75%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNo minimum balance required\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>Earn interest at a competitive rate on this no-fee and no-minimum balance high-interest TFSA.        \r\n<li>Motive Financial is an online division of Canadian Western Bank and offers chequing and savings accounts, registered plans and GICs. \r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>2.75% variable interest rate. Interest is calculated on the daily closing balance at the applicable rate tier and paid on the last day of the month, for the period beginning on the last day of the previous month and ending on the second last day of the month.<\/li>\n<li>No monthly fee.<\/li>\n<li>Withdrawals can be deposited into a Motive Savings or Motive Chequing account, a no-fee chequing account that earns 0.15% interest.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Other TFSA investment options include the Motive\u00ae TFSA GIC, available in one to 10-year terms.<\/li>\n<li>Service fees are <a href=\"https:\/\/www.motivefinancial.com\/en\/about-us\/service-fees\">listed online<\/a>.<\/li>\n<li>Free TFSA withdrawals and deposits.<\/li>\n<li>$50 fee to transfer your TFSA to another bank (transferring in another TFSA is free).<\/li>\n<li>$50 fee to close the account within one year of opening.<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for CDIC deposit insurance.<\/li>\n<li>Motive Financial products are not available to Qu\u00e9bec residents.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__3876\" id=\"achieva-financial-tfsa-savings-account\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"achieva-financial-tfsa-savings-account\"  class=\"c-keto-product-card__title\">Achieva Financial TFSA Savings Account<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"174\" height=\"68\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Achieva-Financial-logo.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Achieva Financial TFSA Savings Account\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Achieva-Financial-logo.png 174w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Achieva-Financial-logo-100x39.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Achieva-Financial-logo-40x16.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Achieva-Financial-logo-150x59.png 150w\" sizes=\"(max-width: 174px) 100vw, 174px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"2.50%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t2.50%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tNo minimum balance required\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>This high-interest no-fee TFSA will help you save up for a TFSA GIC or a Qtrade Direct Investing online investment account, both offered through the virtual bank.        \r\n<li>Achieva Financial is an online division of Manitoba\u2019s Cambrian Credit Union and offers savings accounts, GICS, TFSAs, Registered Retirement Savings Plans (RRSPs), and Registered Retirement Income Funds (RRIFs).\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>2.50% variable interest rate. Interest is calculated on the daily closing balance and added to the principal on the last day of each month.<\/li>\n<li>No monthly fee.<\/li>\n<li>To open this account, you must agree to become a member of Cambrian Credit Union Limited, which requires a $5 share. Your is considered an investment and is fully refundable should you decide to cancel your membership.<\/li>\n<li>Earn $1 per month when you choose electronic documents.<\/li>\n<li>Manage your money by phone, through online banking and a mobile app.<\/li>\n<li>Other Achieva TFSA investment options include TFSA GICS, available in one to five-year terms, and Qtrade Direct Investing online investment accounts.<\/li>\n<li>Service fees are <a href=\"https:\/\/www.achieva.mb.ca\/high-interest-savings-and-gics\/service-fees\">listed online<\/a>.<\/li>\n<li>Free deposits and one free cheque, direct transfer or pre-authorized payment every month.<\/li>\n<li>$15 fee to close the account within six months of opening.<\/li>\n<li>No minimum balance is required.<\/li>\n<li>Eligible for Deposit Guarantee Corporation of Manitoba deposit insurance.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\n\n<div class=\"nw-block nw-block-product-card c-block-product-card c-keto-product-cards__wrapper wp-block-nerdwallet-blocks-product-card\">\n\t\n<section class=\"c-keto-product-card__wrapper offer-id__36304\" id=\"steinbach-credit-union-tfsa-variable-savings\" data-nw-product-category-bank-accounts=\"true\" data-nw-product-category-savings-accounts=\"true\" data-nw-product-category-tfsas=\"true\">\n\t\n\t\t<div class=\"c-keto-product-card__body\">\n\t\t\t\t<h3 id=\"steinbach-credit-union-tfsa-variable-savings\"  class=\"c-keto-product-card__title\">Steinbach Credit Union TFSA Variable Savings<\/h3>\t\t<div class=\"c-keto-product-card__inner\">\n\t\t\t<div class=\"c-keto-product-card__cta-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"c-keto-product-card__image\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"328\" height=\"154\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach.png\" class=\"attachment-cardgrid-large size-cardgrid-large\" alt=\"Steinbach Credit Union TFSA Variable Savings\" srcset=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach.png 328w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach-300x141.png 300w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach-276x130.png 276w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach-100x47.png 100w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach-40x19.png 40w, https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/06\/steinbach-150x70.png 150w\" sizes=\"(max-width: 328px) 100vw, 328px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n<div class=\"c-block-product-card-drivers-list\">\n\t\t\t\t<ul class=\"c-keto-product-card__drivers\">\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3817=\"3.50%\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Interest Rate<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t3.50%\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3819=\"N\/A\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Bonus Offer<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\tN\/A\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li class=\"c-keto-product-card__driver\" data-nw-product-driver-3821=\"$0\">\n\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-label\">Monthly Fee<\/div>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-fee\">\n\t\t\t\t\t\t\t\t$0\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"c-keto-product-card__driver-details\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t<\/div>\n\n\n<div class=\"c-keto-product-card__accordion-wrapper c-block-accordion-wrapper wp-block-nerdwallet-blocks-product-card-accordion\">\n\t<div class=\"c-keto-product-card__accordion\">\n\t\t\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tOur Take\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul>\r\n<li>SCU\u2019s TFSA Variable Savings offers a flexible way to save and earn tax-free interest for your short- or long-term goals.\r\n<li>Steinbach Credit Union, or SCU is one of Manitoba\u2019s largest credit unions offering personal and business solutions online, by phone and in person.\r\n<\/ul>\t<\/div>\n<\/div>\n\n\n<div class=\"c-block-accordion-item\">\n\t<div class=\"c-block-accordion-item__header\" role=\"button\">\n\t\t<div>\n\t\t\tProduct Details\t\t<\/div>\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"23\" fill=\"\" viewBox=\"0 0 256 256\"><path d=\"M213.66,101.66l-80,80a8,8,0,0,1-11.32,0l-80-80A8,8,0,0,1,53.66,90.34L128,164.69l74.34-74.35a8,8,0,0,1,11.32,11.32Z\"><\/path><\/svg>\n\t<\/div>\n\n\t<div class=\"c-block-accordion-item__content\">\n\t\t<ul><li>Offers a competitive, variable interest rate.<\/li>\n<li>No introductory rate to expire after a few months \u2014 Steinbach Credit Union offers high-interest rates right from dollar one.<\/li>\n<li>Interest is calculated on your minimum monthly balance and paid annually on December 31st.<\/li>\n<li>Automate your contributions to your TFSA monthly so you can save without even thinking about it. Make sure you\u2019re within your annual contribution limits.<\/li>\n<li>Deposits can be added to your savings at any time without paying a fee.<\/li>\n<li>All deposits are guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.<\/li><\/ul>\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<\/div>\n\n\t\t<a class=\"js-scroll-to\" href=\"#js-page-top\">Back to Top<\/a>\n\t<\/section>\n<\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"top-hisa-tfsa-rates\">Top high-interest TFSA rates in Canada:<\/h2>\n\n\n<div class=\"c-tablepress-table-wrapper\" style=\"overflow-x: auto;\">\n<table id=\"tablepress-66\" class=\"tablepress tablepress-id-66\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><strong>Savings Account<\/strong><\/th><th class=\"column-2\"><strong>Interest Rate<\/strong><\/th><th class=\"column-3\"><strong>Monthly Fee<\/strong><\/th><th class=\"column-4\"><strong>Insurance<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Achieva Financial TFSA Daily Interest Savings Account<\/td><td class=\"column-2\">2.50%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Alterna Bank TFSA HISA<\/td><td class=\"column-2\">1.45%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">ATB Financial Tax-Free Saver Account (Alberta residents only)<\/td><td class=\"column-2\">0.50%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Guaranteed under the ATB Financial Act<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Canadian Tire Tax Free High Interest Savings\u00ae Account**<\/td><td class=\"column-2\">3.00%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Canadian Western Bank WestEarner\u00ae TFSA Account<\/td><td class=\"column-2\">0.55%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">CIBC TFSA Tax Advantage Savings Account\u00ae<\/td><td class=\"column-2\">5.00%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">EQ Bank TFSA Savings Account**<\/td><td class=\"column-2\">2.00%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">\u200bFirstOntario Credit Union TFSA Investment Savings (Ontario only)<\/td><td class=\"column-2\">1.10%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Hubert Financial Happy TFSA HISA**<\/td><td class=\"column-2\">1.90%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">ICICI Bank TFSA Savings Account<\/td><td class=\"column-2\">1.25%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">Island Savings TFSA HISA (British Columbia only)<\/td><td class=\"column-2\">4.64%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">Manulife Bank Tax-Free Advantage Account<\/td><td class=\"column-2\">4.80%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">MAXA Financial TFSA High Interest Savings Account<\/td><td class=\"column-2\">2.20%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">Meridian Credit Union TFSA HISA<\/td><td class=\"column-2\">1.05%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">Motive TFSA Savings Account**<\/td><td class=\"column-2\">2.75%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">Motusbank TFSA High interest savings account<\/td><td class=\"column-2\">1.05%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">National Bank of Canada Cash Advantage Solution TFSA<\/td><td class=\"column-2\">0.60% - 3.25%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">Outlook Financial TFSA High-Interest Savings Account<\/td><td class=\"column-2\">2.20%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\">Peoples Trust Tax-Free Savings<\/td><td class=\"column-2\">2.25%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">Saven Financial TFSA HISA<\/td><td class=\"column-2\">3.15%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Financial Services Regulatory Authority of Ontario<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">Steinbach Credit Union TFSA Variable Savings<\/td><td class=\"column-2\">3.50%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">Deposit Guarantee Corporation of Manitoba<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">Tangerine Tax-Free Savings Account<\/td><td class=\"column-2\">up to 4.50%*<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">WealthONE Tax-Free Savings Account<\/td><td class=\"column-2\">3.20%<\/td><td class=\"column-3\">$0<\/td><td class=\"column-4\">CDIC<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p class=\"\"><em>(Not available to Quebec residents.)<\/em><\/p>\n\n\n\n<p class=\"\"><em>*Promotional rates offered by the bank. Conditions apply.&nbsp;<\/em><\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-trust-card is-style-alt\"><div class=\"c-block-trust-card\"><h3 id=\"methodology\"  class=\"c-block-trust-card__title\">Methodology<\/h3><div class=\"c-block-trust-card__description\"><p>NerdWallet Canada selects the best high-interest tax-free savings accounts based on several criteria. Factors in\u00a0<a href=\"https:\/\/www.nerdwallet.com\/ca\/financial-product-evaluation-methology#bnkmethod\">our evaluation methodology<\/a>\u00a0include annual percentage yields, minimum balances, fees, digital experience, access to other TFSA investment products, and more. Only TFSAs from financial institutions available in more than one province are considered for this list.<\/p><\/div><ul class=\"c-block-trust-card__bullet-points\"><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-know-TFSA\">Things to know about Tax-Free Savings Accounts<\/h2>\n\n\n\n<h5 id=\"by-barry-choi\"  class=\"wp-block-heading\">By Barry Choi<\/h5>\n\n\n\n<h3 id=\"what-is-a-tax-free-savings-account\"  class=\"wp-block-heading\">What is a Tax-Free Savings Account?<\/h3>\n\n\n\n<p class=\"\">The tax-free savings account, or <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-tfsa\">TFSA<\/a>, was introduced to Canadians in 2009. With this <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/types-of-bank-accounts\">type of account<\/a>, you are not required to pay taxes on the interest it earns. This is obviously appealing since it\u2019s a way to grow your money even faster than a traditional savings account or non-TFSA high-interest savings account. <\/p>\n\n\n\n<p class=\"\"><strong>\u00bb Make sure you understand the basics:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-interest-rate\">How interest rates work in Canada<\/a><\/p>\n\n\n\n<h3 id=\"how-to-open-a-tfsa\"  class=\"wp-block-heading\">How to open a TFSA<\/h3>\n\n\n\n<p class=\"\">Banks, insurance companies, investment firms, <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-credit-union\">credit unions<\/a>, trust companies, discount brokerages and robo-advisors all provide access to TFSAs. Opening one is similar to <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/how-to-open-a-bank-account\">opening any bank account<\/a>, as long as you are eligible. <\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> Read our full <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/scotiabank-tax-free-savings-account-review\">review of Scotiabank TFSA<\/a><\/p>\n\n\n\n<h4 id=\"tfsa-eligibility\"  class=\"wp-block-heading\">TFSA eligibility<\/h4>\n\n\n\n<p class=\"\">To be eligible for a TFSA, you need to meet all the following criteria:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">Be a resident of Canada (or qualifying non-resident).<\/li>\n\n\n\n<li class=\"\">Have a valid Social Insurance Number (SIN).<\/li>\n\n\n\n<li class=\"\">Be at least 18 years or older.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Both residents and non-residents of Canada can open a TFSA so long as they meet the other eligibility requirements. However, non-residents may be subject to a 1% tax on some contributions.<\/p>\n\n\n\n<p class=\"\">In most provinces and territories, you must wait until the date of your 18th birthday to open a TFSA. However, once you turn 18, you get the total contribution limit amount for that year. For example, let\u2019s say you turned 18 on July 7, 2024. You\u2019d be able to open a TFSA on that day and contribute up to $7,000 since that\u2019s the <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-contribution-limit-withdrawal-rules\">TFSA contribution limit<\/a> for 2024.<\/p>\n\n\n\n<p class=\"\">However, in some provinces, you can\u2019t open a TFSA until you are 19, even though you start accumulating contribution room at age 18. If you reside in British Columbia, New Brunswick, Newfoundland and Labrador, Nova Scotia, Northwest Territories, Nunavut, or Yukon, the age of eligibility for a TFSA is 19. In this case, you\u2019d get the contribution room for the year you turn 19 and the previous year.<\/p>\n\n\n\n<p class=\"\">So, let\u2019s say you live in Vancouver and turn 19 on September 9, 2023. On your birthday, you\u2019d have access to a total of $13,500 in TFSA contribution room since the limit for 2023 and 2024 was $6,500 and $7,000, respectively.<\/p>\n\n\n\n<h3 id=\"tfsa-contribution-room-and-withdrawals\"  class=\"wp-block-heading\">TFSA contribution room and withdrawals<\/h3>\n\n\n\n<p class=\"\">Before opening your TFSA, it\u2019s important to be familiar with the rules.<\/p>\n\n\n\n<h4 id=\"tfsa-contribution-room\"  class=\"wp-block-heading\">TFSA contribution room<\/h4>\n\n\n\n<p class=\"\">There\u2019s an annual dollar limit on how much you can contribute to a TFSA each year. Here are the TFSA contribution limits since 2009:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\">2009 &#8211; $5,000<\/li>\n\n\n\n<li class=\"\">2010 &#8211; $5,000<\/li>\n\n\n\n<li class=\"\">2011 &#8211; $5,000<\/li>\n\n\n\n<li class=\"\">2012 &#8211; $5,000<\/li>\n\n\n\n<li class=\"\">2013 &#8211; $5,500<\/li>\n\n\n\n<li class=\"\">2014 &#8211; $5,500<\/li>\n\n\n\n<li class=\"\">2015 &#8211; $10,000<\/li>\n\n\n\n<li class=\"\">2016 &#8211; $5,500<\/li>\n\n\n\n<li class=\"\">2017 &#8211; $5,500<\/li>\n\n\n\n<li class=\"\">2018 &#8211; $5,500<\/li>\n\n\n\n<li class=\"\">2019 &#8211; $6,000<\/li>\n\n\n\n<li class=\"\">2020 &#8211; $6,000<\/li>\n\n\n\n<li class=\"\">2021 &#8211; $6,000<\/li>\n\n\n\n<li class=\"\">2022 &#8211; $6,000<\/li>\n\n\n\n<li class=\"\">2023 &#8211; $6,500<\/li>\n\n\n\n<li class=\"\">2024 &#8211; $7,000<\/li>\n\n\n\n<li class=\"\">2025 &#8211; $7,000<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Your \u201ccontribution room\u201d is the total combined annual contribution limits of all the years you\u2019ve been eligible for a TFSA. Even if you haven\u2019t been investing in a TFSA, you\u2019ve been accumulating contribution room since 2009 for every year that you\u2019ve been at least 18 years old, have had a SIN and have been a Canadian resident.<\/p>\n\n\n\n<p class=\"\">If you turned 18 in 2013, for example, your lifetime TFSA contribution limit as of 2025 would be $82,000.<\/p>\n\n\n\n<p class=\"\">Since your investments can grow within your TFSA, having a book value that exceeds the contribution limit is possible. Additionally, since you can recontribute any withdrawals the following year, it\u2019s possible to have a TFSA limit that exceeds what you have been allotted.<\/p>\n\n\n\n<p class=\"\">For example, let\u2019s say you\u2019ve maxed out your TFSA and you\u2019ve made a capital gain of $20,000. You decide to withdraw that money. Come the new year, you can recontribute that $20,000, plus the additional contribution limit. By doing this, you\u2019ve essentially created an additional $20,000 in contribution room.<\/p>\n\n\n\n<h5 id=\"where-can-i-find-my-tfsa-contribution-room\"  class=\"wp-block-heading\">Where can I find my TFSA contribution room?<\/h5>\n\n\n\n<p class=\"\">You can find out where your TFSA contribution room stands by logging into your \u201c<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/cra-my-account\">My Account for Individuals\u201d on the CRA website<\/a>. Alternatively, you can contact the CRA directly and ask an authorized representative about your contribution room.<\/p>\n\n\n\n<p class=\"\">While this is a quick way to check your TFSA contribution room, it\u2019s not always accurate. Financial institutions typically only report your contributions once a year. That means if you\u2019ve made any additional contributions or withdrawals, the CRA likely won\u2019t have the most up-to-date information.<\/p>\n\n\n\n<p class=\"\">The best thing to do is to keep your own records of your TFSA transactions. By doing this, it\u2019s unlikely that you\u2019ll ever go over your limit.<\/p>\n\n\n\n<h4 id=\"tfsa-withdrawals\"  class=\"wp-block-heading\">TFSA withdrawals<\/h4>\n\n\n\n<p class=\"\">Most types of TFSA accounts allow you to withdraw money at any time. That said, some products within your TFSA, such as <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/registered-vs-non-registered-gics\">registered guaranteed investment certificates (GICs)<\/a>, may be locked in, so you may need to wait a certain length of time before you can withdraw them.<\/p>\n\n\n\n<p class=\"\">Withdrawing funds from a TFSA doesn\u2019t affect your total contribution limit. However, if you plan on replacing the amount you\u2019ve withdrawn, you need to be mindful of your contribution limits.<\/p>\n\n\n\n<p class=\"\">Any withdrawals you make in a calendar year can be replaced the following year. However, you can\u2019t withdraw and replace funds in the same year unless you have the contribution room available.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-gic-explained\">How to hold a GIC in a TFSA<\/a><\/p>\n\n\n\n<h3 id=\"how-to-use-a-tfsa\"  class=\"wp-block-heading\">How to use a TFSA<\/h3>\n\n\n\n<p class=\"\">There are many different ways to use a TFSA. When deciding the best TFSA for your needs, first consider how you\u2019ll use the account. Some people will use their TFSA for short-term savings, such as a <a href=\"https:\/\/www.nerdwallet.com\/ca\/mortgages\/how-to-save-for-a-down-payment\">home down payment<\/a>, while others will use it for long-term goals, including investing for retirement.<\/p>\n\n\n\n<p class=\"\"><strong>\u00bb DISCOVER:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/how-to-save-money\">8 easy ways to start saving money<\/a><\/p>\n\n\n\n<h4 id=\"types-of-tfsas\"  class=\"wp-block-heading\">Types of TFSAs<\/h4>\n\n\n\n<p class=\"\">The type of TFSA you set up depends on your goals. But here\u2019s a brief overview of types of TFSAs and what you can do with them.<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>High-interest TFSA. <\/strong>This type of TFSA acts like a regular <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-high-interest-savings-account\">high-interest savings account<\/a> but with tax-exemption benefits. Since you can access your funds quickly, it\u2019s ideal for short-term savings or an <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-an-emergency-fund\">emergency fund<\/a>.<\/li>\n\n\n\n<li class=\"\"><strong>TFSA term deposits. <\/strong>You can lock away money for a specified period of time using a <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-gic-explained\">tax-free guaranteed investment certificate (GIC)<\/a> or term deposit. These can be either <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-cashable-gic\">redeemable<\/a>, meaning you can cash out early, or <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-non-redeemable-gic\">non-redeemable<\/a>. Non-redeemable GICs can offer higher rates of interest than redeemable GICs and high-interest TFSAs, but you won\u2019t have immediate access to your money with this option.<\/li>\n\n\n\n<li class=\"\"><strong>TFSA investment account. <\/strong>This type of TFSA account allows you to <a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/how-to-invest-in-tfsa\">invest TFSA funds<\/a>. It may be managed by your financial institution or investment firm, including robo-advisors, or it can be self-directed, meaning you manage it on your own.<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>\u00bb See our picks:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\">The best high-interest savings accounts in Canada<\/a><\/p>\n\n\n\n<h4 id=\"investing-your-tfsa\"  class=\"wp-block-heading\">Investing your TFSA<\/h4>\n\n\n\n<p class=\"\">A TFSA is pretty straightforward. You contribute any amount up to the current limit and your contributions grow tax-free. What often confuses people about TFSAs is the name. Even though it\u2019s called a tax-free savings account, it can be used as an investment account.<\/p>\n\n\n\n<p class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/asset-classes\">Investment products<\/a> can be purchased within the account, including:<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-gic\">Guaranteed investment certificates, or GICs<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-is-a-bond\">Bonds<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/how-to-invest-in-stocks-canada\">Stocks<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-is-an-etf-in-investing\">Exchange-traded funds (ETFs)<\/a><\/li>\n\n\n\n<li class=\"\"><a href=\"https:\/\/www.nerdwallet.com\/ca\/investing\/what-are-mutual-funds-in-canada\">Mutual funds<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\">Because of all the different ways you can use a TFSA, you may choose to open more than one. Just remember that your total amount of available contribution room does not change, and you can\u2019t exceed that limit regardless of how many accounts you have. So, you\u2019ll have to monitor the balances of all your accounts.<\/p>\n\n\n\n<h4 id=\"times-you-may-pay-taxes-on-your-tfsa\"  class=\"wp-block-heading\">Times you may pay taxes on your TFSA<\/h4>\n\n\n\n<p class=\"\">In most cases, any gains made within your TFSA are tax-exempt, but there are some scenarios where taxes may apply.<\/p>\n\n\n\n<ul class=\"\">\n<li class=\"\"><strong>If you exceed your available contribution room,<\/strong> you\u2019ll have to pay a tax of 1% on the excess contribution every month until you get your account back below your limit.<\/li>\n\n\n\n<li class=\"\"><strong>If you become a non-resident.<\/strong> Now let\u2019s say you have a TFSA and decide to move overseas and become a non-resident for tax purposes. You would no longer gain any new contribution room, so you\u2019d be taxed 1% on any extra deposits if you exceed your total limit.<\/li>\n\n\n\n<li class=\"\"><strong>If you use your TFSA for business purposes.<\/strong> Your TFSA is meant for personal use only and can\u2019t be used for business purposes. For example, let\u2019s say you decide to day trade in your TFSA. The CRA may consider this business use and tax all of your capital gains at your marginal tax rate. It doesn\u2019t matter if you\u2019re not a professional day trader. If the CRA considers it business use, they\u2019ll tax you accordingly.<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>\u00bb MORE:<\/strong> <a href=\"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/what-is-income-tax\">How does income tax work?<\/a><\/p>\n\n\n\n<div class=\"wp-block-nerdwallet-blocks-faq c-block-faq\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div class=\"c-block-faq__wrapper\"><div class=\"c-block-faq__header\"><h2 id=\"\"  class=\"c-block-faq__title\"><\/h2><\/div><div class=\"c-block-faq__section-list\">\n<div class=\"wp-block-nerdwallet-blocks-faq-section\"><div class=\"c-block-faq-section c-block-accordion-wrapper\"><div class=\"c-block-accordion__header\"><h3 id=\"faqs\"  class=\"c-block-accordion__title\">FAQs<\/h3><\/div><div class=\"c-block-accordion-list\">\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">What\u2019s the difference between a TFSA and RRSP?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">When you contribute to your <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-an-rrsp\">Registered Retirement Savings Plan<\/a>, or RRSP, your taxable income is reduced by the same amount for the year. However, when you eventually withdraw that money, it will be taxed at your marginal tax rate.<\/p>\n\n\n\n<p class=\"\">With TFSAs, you don\u2019t get a tax break on contributions, but all gains made are entirely tax free.<\/p>\n\n\n\n<p class=\"\">With RRSPs, you gain contribution room based on your previous year\u2019s income, while TFSA contribution room is a fixed amount that gets set by the government each year.<\/p>\n<\/div><div class=\"c-block-accordion-item__more-link\"><strong>\u00bb MORE: <\/strong><a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-vs-rrsp\" target=\"_self\" rel=\"noopener\">How to decide between TFSA and RRSP<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"c-block-faq-item c-block-accordion-item c-block-accordion-item--active\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"c-block-accordion-item__header\"><div class=\"c-block-accordion-item__title\" itemprop=\"name\">What is a high-interest TFSA?<\/div><\/div><div class=\"c-block-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div class=\"wp-block-nerdwallet-blocks-faq-item\" itemprop=\"text\">\n<p class=\"\">A high-interest TFSA is a tax-free savings account that pays a higher rate of interest than <a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/what-is-a-savings-account\">traditional savings accounts<\/a> or other types of TFSAs. How much interest you\u2019ll get depends on the financial institution where you have your TFSA. Online-only banks tend to offer higher rates than traditional banks and credit unions, for example.<\/p>\n\n\n\n<p class=\"\">The term \u201chigh-interest\u201d is a bit relative since rates fluctuate over time, and Canada has had record low interest rates in recent years. Still, the interest rate offered is a fairly simple way to compare TFSAs when searching for the best account for your needs.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n\t<section class=\"c-block-card-grid container\"\n\t\t\t>\n\t\t\t\t\t<h4 id=\"dive-even-deeper\"  class=\"c-block-card-grid__title\">\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t<div class=\"c-block-card-grid-scroll column-four\">\n\t\t\t<div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-1147\" class=\"c-block-card post-1147 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-registered-banking-products\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-vs-rrsp\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/TFSA-vs-RRSP-e1626728346207-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"TFSA vs. RRSP: How to Choose\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"tfsa-vs-rrsp-how-to-choose\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-vs-rrsp\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tTFSA vs. RRSP: How to Choose\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>The tax-free withdrawals of a TFSA offer more flexibility, but the tax-deferred contributions of an RRSP are great for retirement. The type of account you choose will depend on your savings goals.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/hannah-logan\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/07\/Hannah-Logan-e1626212867388-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Hannah Logan<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-1147 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2914\" class=\"c-block-card post-2914 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-registered-banking-products\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-contribution-limit-withdrawal-rules\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/tfsa-contribution-limits-e1638830770783-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"TFSA Contribution Limit and Withdrawal Rules for 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"tfsa-contribution-limit-and-withdrawal-rules-for-2025\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/tfsa-contribution-limit-withdrawal-rules\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tTFSA Contribution Limit and Withdrawal Rules for 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>TFSA contribution limit for 2025 is $7,000 \u2014 an annual ceiling for how much you can contribute to a tax-free savings account. However, over-contributing, can cost you a tax penalty.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Headshot_Siddhi-Jahagirdar-e1648746969870-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Siddhi Bagwe<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2914 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2668\" class=\"c-block-card post-2668 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-saving-account\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/11\/best-hisa-e1637338670681-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Best High-Interest Savings Accounts in Canada for 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"best-high-interest-savings-accounts-in-canada-for-2025\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-high-interest-savings-accounts\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tBest High-Interest Savings Accounts in Canada for 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Compare top interest rates and discover the best no-fee high-interest savings accounts (HISAs) in Canada. <\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t\t<div class=\"nw-written-by-layout-inline\">\n\t\t\t\n\t\t\t<div class=\"nw-written-by-layout-inline--wrapper\">\n\t\t\t\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/clay-jarvis\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/IMG_20220329_114424-150x150.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Clay Jarvis<\/a><a href=\"https:\/\/www.nerdwallet.com\/ca\/author\/sjahagirdar\" class=\"author url fn\" rel=\"author\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"32\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/03\/Headshot_Siddhi-Jahagirdar-e1648746969870-40x40.jpg\" class=\"avatar avatar-32 photo wp-post-image\" alt=\"\" \/>Siddhi Bagwe<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2668 -->\n<\/div><div class=\"c-block-card-grid-scroll__column\">\n<div id=\"post-2882\" class=\"c-block-card post-2882 page type-page status-publish has-post-thumbnail hentry content-classification-banking topic-type-of-banking-accounts cluster-saving-account\">\n\t<div class=\"c-block-card__inner c-block-card__inner--large\">\n\t\t\t<a class=\"c-block-card__image-wrapper\" href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-online-savings-accounts\" rel=\"bookmark\">\n\t\t<img loading=\"lazy\" width=\"460\" height=\"191\" decoding=\"async\" src=\"https:\/\/www.nerdwallet.com\/ca\/wp-content\/uploads\/sites\/2\/2021\/12\/Young-woman-depositing-check-by-phone-in-the-cafe-for-online-bank-account-e1638466050696-460x191.jpg\" class=\"c-block-card__image wp-post-image\" alt=\"Canada&#8217;s 22 Best Online Savings Accounts for 2025\" \/>\t<\/a><!-- .c-entry__thumbnail -->\n\t\t\t<div class=\"c-block-card__content-wrapper\">\n\t\t\t\n<h4 id=\"canadas-22-best-online-savings-accounts-for-2025\"  class=\"c-block-card__title\">\n\t<a href=\"https:\/\/www.nerdwallet.com\/ca\/banking\/best-online-savings-accounts\" rel=\"bookmark\" class=\"c-block-card__title-link\">\n\t\tCanada&#8217;s 22 Best Online Savings Accounts for 2025\t<\/a>\n<\/h4>\n\n\t<div class=\"c-block-card__content\">\n\t\t<p>Online savings accounts offered by virtual banks have competitive interest rates and low or no fees.<\/p>\n\t<\/div>\n\n\t<div class=\"c-block-card__authors\">\n\t\t\t<\/div>\n\t\t<\/div><!-- .c-card__content-wrapper -->\n\t<\/div>\n<\/div><!-- #post-2882 -->\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>The best high-interest tax-free savings accounts (TFSAs) have minimal fees and earn high rates of interest.<\/p>\n","protected":false},"author":4,"featured_media":2996,"parent":100,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":true,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"middle","apple_news_slug":"","apple_news_sections":"[]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[15],"topic":[106],"cluster":[211],"pp_author":[20],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- 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