加拿大最好的活期利率

qwer2003

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介绍一下省钱+白赚25块钱奖金的办法。其实不少人都不小心在自己的支票账户 (chequingaccount)里面放了不少钱，有的是有意留着以备急用，有得就是刚发的工资。可是不知道你想过没有，假设你的支票帐户总是保持 5000块，这些钱如果存起来1年的利息就是150多块。现在金融危机，省一点是一点，为什么要白白损失150块呢。在加拿大呆久了的朋友都知道 INGDirect,他就是一种活期账户,3%的利息(TFSA),跟你现有的支票账户通过电子方式连起来，钱暂时不需要的时候就转到INGDIRECT 赚利息,需要钱的时候只需要等一到两天.钱就可以从INGDIRECT转回支票账户。. 那位朋友说了,我的钱存在ING安全么？您尽管放心，ING总部在荷兰,截至2008年，它已经是全球第9大公司。截至2007年INGDIRECT加拿大分行已经有150万用户，存款额达到230亿。INGDIRECT加拿大分行也是受 CanadaDepositInsuranceCorporation保护的,10万以下的存款都有破产保护,跟加拿大的主要银行享受同样的待遇.他就是以这种不设分行的方式,才能给那么好的利率,而且 INGDIRECT也不是取代支票账户的,是一个很好的补充。

开账户也很简单， 只要登陆网站 www.ingdirect.ca/referafriend/ 然后填写个人信息提出申请，欢迎使用我的推荐码 （orange key） 15590659S1，可以拿到$25块钱的奖金。如果你能介绍50个朋友，也就可以拿到2000块奖金。
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注意申请者需有SIN。
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ING DIRECT的所有利率情况如下：
Investment Savings Account (ISA) 1.35%
US$ Investment Savings Account (ISA) 0.75%
RSP Investment Savings Account (RISA) 1.35%
( t& ^( q  e4 l% p$ h; ]/ Y  c% qTax-Free Investment Savings Account (TFSA) 3.00%
. H! x  f: G' k: D4 T# K; @9 L* IChildren\'s Savings Account 1.35%
Business Investment Savings Account 1.35%
# ~* [5 t$ Q* y1 [US$ Business Investment Savings Account 0.75%
Guaranteed Investment (GIC) - 1 Year 1.25%
Guaranteed Investment (GIC) - 1 ½ Year 1.50%
Guaranteed Investment (GIC) - 2 Year 2.00%
! K4 y/ f0 x2 C% _4 D* nGuaranteed Investment (GIC) - 3 Year 2.50%
  P% A5 C; x4 t$ J" QGuaranteed Investment (GIC) - 4 Year 2.50%
6 p2 K+ k3 K# TGuaranteed Investment (GIC) - 5 Year 3.25%
US$ Guaranteed Investment (GIC) - 1 Year 1.00%
US$ Guaranteed Investment (GIC) - 1 ½ Year 1.10%
+ J5 i/ p+ |7 X" K0 l- \3 E/ \3 VUS$ Guaranteed Investment (GIC) - 2 Year 1.25%
US$ Guaranteed Investment (GIC) - 3 Year 2.00%
US$ Guaranteed Investment (GIC) - 4 Year 2.00%
# C2 s% s, y8 f- |; l: vUS$ Guaranteed Investment (GIC) - 5 Year 2.00%
: J0 B" a/ u' }' a5 E3 `& L8 U' ]6 dShort Term Guaranteed Investment (GIC) - 90 Days 0.50%
Short Term Guaranteed Investment (GIC) - 180 Days 0.50%
Short Term Guaranteed Investment (GIC) - 270 Days 0.50%
US$ Short Term Guaranteed Investment (GIC) - 90 Days 0.80%
US$ Short Term Guaranteed Investment (GIC) - 180 Days 1.00%
, [1 _' Y+ u! |& R/ ]US$ Short Term Guaranteed Investment (GIC) - 270 Days 1.00%
Business Guaranteed Investment (GIC) - 1 Year 1.25%
Business Guaranteed Investment (GIC) - 1 ½ Year 1.50%
  b) [2 a$ i8 GBusiness Guaranteed Investment (GIC) - 2 Year 2.00%
+ z$ g; m# d  G; j7 [5 l. cBusiness Guaranteed Investment (GIC) - 3 Year 2.50%
/ p* ^1 i9 R! c" t* JBusiness Guaranteed Investment (GIC) - 4 Year 2.50%
Business Guaranteed Investment (GIC) - 5 Year 3.25%
" _# U+ H3 V- K* IUS$ Business Guaranteed Investment (GIC) - 1 Year 1.00%
US$ Business Guaranteed Investment (GIC) - 1 ½ Year 1.10%
  m' _/ h, P) G/ G/ T' {, kUS$ Business Guaranteed Investment (GIC) - 2 Year 1.25%
US$ Business Guaranteed Investment (GIC) - 3 Year 2.00%
US$ Business Guaranteed Investment (GIC) - 4 Year 2.00%
US$ Business Guaranteed Investment (GIC) - 5 Year 2.00%
Business Short Term Guaranteed Investment (GIC) - 90 Days 0.50%
Business Short Term Guaranteed Investment (GIC) - 180 Days 0.50%
Business Short Term Guaranteed Investment (GIC) - 270 Days 0.50%
US$ Business Short Term Guaranteed Investment (GIC) - 90 Days 0.80%
US$ Business Short Term Guaranteed Investment (GIC) - 180 Days 1.00%
US$ Business Short Term Guaranteed Investment (GIC) - 270 Days 1.00%
* ~4 s( u; F& n' a5 F% t+ |4 c" oRSP Guaranteed Investment (RGIC) - 1 Year 1.25%
/ y& ?0 k: {) Z; p/ k. h4 d: D% wRSP Guaranteed Investment (RGIC) - 1 ½ Year 1.50%
! @( Q, l0 L' MRSP Guaranteed Investment (RGIC) - 2 Year 2.00%
RSP Guaranteed Investment (RGIC) - 3 Year 2.50%
* d8 M) Y5 Q9 V- MRSP Guaranteed Investment (RGIC) - 4 Year 2.50%
RSP Guaranteed Investment (RGIC) - 5 Year 3.25%
Short Term RSP Guaranteed Investment (RGIC) - 90 Days 0.50%
Short Term RSP Guaranteed Investment (RGIC) - 180 Days 0.50%
Short Term RSP Guaranteed Investment (RGIC) - 270 Days 0.50%
Tax-Free Guaranteed Investment (GIC) - 1 Year 1.25%
  j3 C2 m& @$ F) i1 DTax-Free Guaranteed Investment (GIC) - 1 ½ Year 1.50%
Tax-Free Guaranteed Investment (GIC) - 2 Year 2.00%
# h/ Y4 I  O+ B5 A: {: [2 jTax-Free Guaranteed Investment (GIC) - 3 Year 2.50%
% T) n* B0 T/ w/ _$ iTax-Free Guaranteed Investment (GIC) - 4 Year 2.50%
8 Z5 Q# ]- [+ }+ U" p& w! N) mTax-Free Guaranteed Investment (GIC) - 5 Year 3.25%
- e. v% n: a0 B- }' |* I/ H7 q) yTax-Free Short Term Guaranteed Investment (GIC) - 90 Days 0.50%
Tax-Free Short Term Guaranteed Investment (GIC) - 180 Days 0.50%
Tax-Free Short Term Guaranteed Investment (GIC) - 270 Days 0.50%
- q& `5 a; [. a  W8 UCredit Account as low as 3.95%
unmortgage - 1 Year 3.39%
unmortgage - 2 Year 3.59%
; Z8 ^' o6 }$ ?5 x7 zunmortgage - 3 Year 3.65%
unmortgage - 4 Year 4.09%
) n! k* t; A8 x2 Q" eunmortgage - 5 Year 4.49%
unmortgage - 7 Year 5.50%
% Y6 a# K, X7 n+ A" Kunmortgage - 10 Year 5.50%
" e7 V% @- V& munmortgage - 5 year variable

tiancai

INGDirect doesn\'t offer the best rate in Canada, but their refer bonus promotion is not bad, they increase their refer bonus from $13 to $25 now.

活期年利率(both are CDIC\'s memeber)
Peoples Trust offers AIR 2.1%       http://peoplestrust.com/main/?en&today_rates
Canadian Tire financial offers AIR 1.5%   https://www.myctfs.com/Products/HighIntSavings/
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I think they have much better offer than ING. They have other higher rate in Tax-Free saving, GIC, etc....
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" `! Z+ |: d1 l- `3 p" O+ K5 W, oFor more details just check their website. I\'m using their bank service as well so far.
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No additional service charge.

3 J6 b: s) N! I& G" M6 C; QThe best way to save more money is compare many of banks and financial institutions, and choose a better product that fits you.
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1 b# _9 ^" y5 u# fHope that will be helpful!  Happy saving to everyone!

qwer2003

INGDIRECT is the largest online bank in Canada.

tiancai

INGDIRECT is the largest online bank in Canada.

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8 k, @" h; l  hYou mean INGDIRECT is the largest online bank in canada, but it is NOT the largest bank in canada, and it does NOT offer the best Rate in canada.

Actually, Foreign banks still have a little difference than the local banks in their own benefit.  Especially, when the financial storm haven\'t totally gone, Locial banks in many places are more reliable and safe for clients.
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' z+ |! w* v  F1 q3 lOf course, most of us considering about a higher rate of return as our first choice, So focus on your title of this post, you recommend people to join INGDIRECT, because they offer the highest rate in canada. It looks like a trick from your title. So that\'s why I gave two more better choices above. Not doing any refer.
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Hope you don\'t mind what I said. I didn\'t mean anything to you. Just give more correct and helpful advice to the people in this Social Forum. We should let people have more choices to make their final decision. Don\'t you think so?

qwer2003

offer the best...

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+ f) |9 z' X5 X$ S5 fRight, that is why INGDIRECT is more secure than People trust or CT Trust because it is larger. INGDIRECT offers 3%, which is also higher than the 1.5% or 1.75% you mentioned. thanks

tiancai

Right, that is why INGDIRECT is more secure than People trust or CT Trust because it is larger. INGDIRECT offers 3%, which is also higher than the 1.5...

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CDIC only secure for canadian dollar. So what I mean PT and CT both are canadian local Financial Corp.  
' e, h9 P$ F2 ?  R, K& JThere is No CT Trust in canada. It is Canadian Tire Financial.
INGDIRECT Offers 1.35% for saving, NOT 3%.  AIR 3% just for their TFSA( MAX $5000). Most of banks offer higher rate for thier Tax-Free Saving.

$ p+ q! w' [  lGeat New to everyone! I just checked the Peoples Trust website. Their rate is 2.1% for flexiable Saving right now. What a deal!  
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# {$ y9 F1 n# ^% rQwer2003，如果是大家互惠互利的广告，大家是不会有任何异议的. 但是你为了自己的私利总是扭曲事实，很令人质疑你的发帖动机，太商业化了。
1.35%的利率不算低，但绝对不是最好的。用INGDIRECT对伦敦的我们来说只能用电话理财或网上服务，而且没有中文服务。我们离我们最近的office,只能去TORONTO.
同样的服务 Peoples Trust, CTFS都有比它更高的利率，为什么你一定要扭曲事实呢？还硬用TSFA和一般的Saving去比，还有我看到你在其他的板块上回答别人的问题也是非常的不客观，什么都说INGDIREC好，完全偏题。
5 U. R! w8 Y- B/ x# y我只是看不惯你在我们论坛继续误导别人了。一开始我看到“加拿大最好的利率”才进来看你的帖子，本来以为你可能只是不知道，所以提供了些信息。后来看了你的回帖之后就觉得你动机很不好，只想着自己多拿点回扣，却不顾别人的利益.推荐人本来就有义务向背推荐人提供正确全面地信息，而不是误导别人。

还有，希望你以后不要再在这个板块再发那么多同样帖子了，注意分类。在投资理财里发就可以了。