*2026 Early Bird TFSA Saver Campaign Terms and Conditions:
Eligible for Ontario residents aged 18 and older who are members of Northern Birch Credit Union. The promotion is open from October 1, 2026, to December 31, 2026.
Minimum contribution of $100. There is no maximum contribution for the Early Bird TFSA Saver promotion. Eligible deposits must be made between October 1, 2026 to December 31, 2026. All interest rates are calculated per annum. Interest accumulates from the date of deposit until December 31, 2026, and will be automatically deposited into the member’s active chequing or savings account on December 31, 2026. Interest accumulated during the promotion is subject to applicable taxation.
By making an Early Bird TFSA Saver GIC deposit, the member designates the principal to enter their Northern Birch Credit Union TFSA plan. Funds designated for the TFSA will be automatically transferred in January 2027 and count towards their 2027 TFSA contribution. Members remain fully responsible for tracking their personal TFSA contribution limits and communicating the desired contribution amounts to Northern Birch Credit Union.
Rates are subject to change at any time without prior notice.
**1% Transfer-In Cash Back Bonus Offer
Members who transfer an existing registered product from another financial institution into Northern Birch Credit Union are eligible for a 1.00% cash back bonus on the transferred balance, up to a maximum payout of $3,000.
Eligibility & Minimums: "New money/funds" refers to eligible registered funds transferred directly from another financial institution that were not previously held with Northern Birch Credit Union. A minimum one-time transfer amount of $10,000 into a new or existing Northern Birch Credit Union registered product (including TFSA, RRSP, FHSA, RRIF) is required to qualify.
Bonus Claim & Holding Period: Promo code TRANSFERINBONUS2026 must be specified at the time of transfer initiation. The full transferred deposit balance must remain within the designated registered product at Northern Birch Credit Union through June 30, 2027. The transfer-in must be initiated before December 31st, 2026.
The cash back bonus will be credited to the member's active Northern Birch Credit Union chequing or savings account after June 30, 2027. Baseline balances as of the promotion start date will be used to establish net new fund eligibility.
This promotion is subject to change at any time without prior notice.
†Transfer Fee Reimbursement:
Northern Birch Credit Union may reimburse members up to $150 for transfer fees charged by the transferring financial institution, paid to an active chequing or savings account upon receipt of valid proof of fee assessment. This reimbursement is on eligible transfers-in of $10,000 or more. This fee will be reimbursed once the transferred-in funds are received by Northern Birch Credit Union.
This promotion is subject to change at any time without prior notice.
