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13-month FlexSavings Cashable GIC: 3.20%* growth with freedom.

Your savings, your rules. Guaranteed growth. Freedom to access your money after just 90 days.

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Big plans need smart moves. Whether you’re dreaming of a getaway, saving for something special, or building your safety net, our 13-month GIC flexes with your life.

Guaranteed growth

Lock in 3.20%* with zero risk to your principal.

Freedom to change

Access your funds after 90 days because life happens.

Tax-smart choices

Available for TFSA, FHSA, and non-registered accounts.

Perfect for short-term goals

Save for what matters most, stress-free.

Why choose Creative Arts Financial?

  • We’re not a big bank. We’re a member-owned credit union that puts your goals first.
  • Be part of a community that values creativity, flexibility, and financial confidence.
  • Enjoy competitive rates, personalized service, and a community-driven approach to banking.

Ready to flex your savings?

Book an online appointment today and start growing with Creative Arts Financial.

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* Non-registered, TFSA and FHSA-eligible. Rate and terms subject to change without notice. Conditions apply.

Open a business account

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

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Already a member? Contact us to open a new account.

Become a business member

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

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You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

Become a member

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

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Business U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.20%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Business Savings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

1.55%

Balance

$100,000.01 – $250,000.00
Rate*

1.60%

Balance

$250,000.01 – $500,000.00
Rate*

1.70%

Balance

$500,000.01 – $750,000.00
Rate*

1.80%

Balance

$750,000.01 – $1,000,000.00
Rate*

1.90%

Balance

$1,000,000.01 – $2,500,000.00
Rate*

2.00%

Balance

$2,500,000.01+
Rate*

2.10%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.

Open an account

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment

Already a member? Log in to online banking.

Creative Arts Financial is closed on the following days

Wednesday, July 1, 2026 Canada Day
Monday, August 3, 2026 Civic Holiday
Monday, September 7, 2026 Labour Day
Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
Monday, October 12, 2026 Thanksgiving Day
Wednesday, November 11, 2026 Remembrance Day*
Thursday, December 24, 2026 Christmas Eve**
Friday, December 25, 2026 Christmas Day
Monday, December 28, 2026 Observation of Boxing Day*
Thursday, December 31, 2026 New Year's Eve**
Friday, January 1, 2027 New Year's Day 2027
* Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.15%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Investment Savings account

Account options
Rate*

Account options

Non-registered savings
Rate*

0.30%

Account options

TFSA investment savings
Rate*

0.60%

Account options

FHSA investment savings
Rate*

3.20%

Account options

RRSP investment savings
Rate*

0.05%

Account options

RRIF investment savings
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

0.60%

Balance

$100,000.01 – $200,000.00
Rate*

0.75%

Balance

$200,000.01+
Rate*

0.80%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.