Early Bird Account®

Early Bird Account®

Early birds get the worm...and a great interest rate

The Early Bird Account® is perfect for you if:

  • You've maxed out your TFSA contributions in 2017
  • You haven't really started using your TFSA and are looking for a good opportunity to start.
  • You have money sitting in a regular ol' savings account

 

Key Features & Benefits

Key Features & Benefits

If you're the type of person who puts the maximum amount possible into your TFSA each year, you'll love this! Now you can get a jump start on saving for next year's TFSA contribution, by putting money away in an Early Bird Account®. You'll start earning a great rate of interest as soon as you put your money in, and you'll have savings ready-to-go into a TFSA when the time comes. This rate starts September 1, 2017 and can change at any time without notice, so take advantage of this limited time offer today!

  • You'll avoid the January TFSA contribution rush
  • You'll receive a great interest rate on your deposits prior to contributing to your TFSA
  • There's no minimum deposit amount
  • Interest is calculated daily and paid monthly
  • Plus, you can rest easy knowing that your deposits are 100% guaranteed.†

Full details of this limited time offer are available within the Terms & Conditions tab.

How It Works

How it Works

  1. Set up an Early Bird Account® and make your initial deposit.
  2. Watch your contribution earn a great rate of interest.
  3. Your contribution is automatically transferred to your TFSA on January 1st, 2018. Maximum deposit balance in this account is $5,500.
  4. On January 2nd, 2018 any interest earned will automatically be transferred to the account from which the original contribution was made.

Terms & Conditions

Terms & Conditions

Offer valid from September 1, 2017 to December 30, 2017 and cannot be combined with any other offer. Limit of one Early Bird Account® per person.

Interest is calculated daily and paid monthly. Rates as of September 1, 2017 are expressed on a per annum basis and are subject to change without notice. Maximum annual contribution to the Early Bird Account® is $5,500; any balances over $5,500 will receive an interest rate of 0%.

On January 1, 2018 Envision Financial will transfer the contribution to your account, to a maximum of $5,500, automatically to your TFSA High Interest Savings Account. This is to help ensure that your Tax-Free Savings Account contribution does not exceed the maximum limit allowed by Canada Revenue Agency for 2018.

Any balance left in the Early Bird Account® account on January 2, 2018 will be transferred back to the account from which the original contribution was made from.

Taxes paid on interest earned may vary and are based on your personal tax bracket.

Why choose Envision Financial?

Established & Accessible

Established & Accessible

With 24-hour online access and extended operating hours, we are B.C.'s third-largest credit union, here to serve you from a network of branch and insurance locations across Lower Mainland and the Fraser Valley.

Technology & Innovation

Technology & Innovation

Life's hectic. That's why we diligently seek opportunities to bring our members the latest banking advancements like Mobile Pay for Android™, Deposit Anywhere™, Interac e-Transfers®, Interac® Online Payment and tap card options.

 Privacy & Security

Privacy & Security

Whether you're on your mobile or at your home office, we've got you protected if you bank with Envision Financial. We offer a secure online and mobile banking experience with features like account alerts and data encryption.

 

†The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all BC credit union deposits. Credit Union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.