Service fees

Here’s everything you need to know about the fees associated with Creative Arts Financial accounts.

Discontinuation of certified cheques

We are transitioning away from the availability of certified cheques. Beginning July 1, we will no longer offer this service, but members will have access to bank drafts as an alternative.

Let’s make it happen. Book an appointment to explore your options.

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Terms and conditions

Service fees are subject to change with 30 days’ notice via member statements, and in-branch and website notices.

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* 0.20%
Balance $100,000.01 – $250,000.00	Rate* 0.30%
Balance $250,000.01 – $500,000.00	Rate* 0.40%
Balance $500,000.01 – $750,000.00	Rate* 0.60%
Balance $750,000.01 – $1,000,000.00	Rate* 0.80%
Balance $1,000,000.01+	Rate* 1.10%

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

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.