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    HIGH INTEREST ESAVINGS ACCOUNT

    Grow your savings with confidence.

    Earn 4.50% for 90 days on new deposits when you open your first High Interest eSavings Account. RRSP & TFSA eligible.

    Limited-time offer. Ends September 29, 2026.

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    Whether you're saving for something big or simply making the most of your everyday savings, opening an account takes just minutes – and your money stays within reach whenever you need it.

     
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    Saving should feel simple

    Earn more, without giving up flexibility.

    Open your first eHISA with Kawartha in minutes and earn 4.50% for 90 days on new deposits. No lock-in and no surprises, and your money stays within reach the whole time. Hold it on its own, or inside your RRSP or TFSA.

    It only takes a few minutes to open your account online, and you can manage everything from your online and mobile banking.

     

    High Interest eSavings Account Rate

    Effective July 22, 2026 - September 29, 2026

    90-day promotional rate

    4.50%

    New money, your first eHISA

    Base rate after promotion*

    2.25%

    Ongoing, no minimum balance

    *After the promotional rate period, the base rate may change at any time without prior notice. Interest is calculated daily and paid monthly. Rates subject to change without notice. RRSP & TFSA eligible.

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    No monthly fee

    No minimum or maximum deposit.

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    Interest daily

    Calculated daily, paid monthly.

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    Two free withdrawals

    Every month, plus free online transfers.

    RRSP & TFSA eligible

    Registered or non-registered, your choice.

     

    The Kawartha difference

    A better place to save is about more than the rate. It's about banking in your best interest.

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    Advice, not just a rate

    A Representative helps you make the most of your savings, RRSP, and TFSA, not just open an account.

    Local decisions

    Real people close to home who know your community, from Peterborough to Kingston.

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    People over profits

    As a member-owned credit union, we reinvest in the people and communities we serve.

     
     
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    Not sure where to start? Let's talk.

    No commitment, no obligation. Start the conversation and we'll take it from there, whether it's your first savings account or a bigger question about your RRSP, TFSA, or investments.

     

    Questions, answered

    The promotional rate applies to new deposits only, and the account must be your first High Interest eSavings Account with Kawartha. Members with an existing eHISA aren't eligible for this promo.

    Your balance continues to earn our base High Interest eSavings rate. Nothing to do, and your money stays accessible the whole time.

    Yes. The eHISA is eligible to be held as an RRSP or TFSA. A Kawartha Representative can help you choose what's right for you.

    Most people open their account online in under 10 minutes. If preferred, you can also visit your local branch to open.

    Yes. Unlike a GIC, the eHISA isn't locked in, so you can access your funds anytime while they keep earning.

     
     

    Start earning more on your savings

    Open your High Interest eSavings Account and earn 4.50% for 90 days on new deposits. Limited-time offer, new deposits only, ends September 29, 2026.

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    High Interest eSavings Account Promotional Offer — Terms and Conditions

    This offer is only available on new deposits when members open their first High Interest eSavings Account (eHISA). The offer begins July 22, 2026 and expires on September 29, 2026. New deposits will earn a total interest rate of 4.50% which includes the combination of the Base Rate and the Bonus Introductory Interest Rate (the “Bonus Interest Rate”) on all balances for 90 days from the date the eHISA is opened (“Bonus Rate Period”). Interest is calculated daily on each day’s full closing balance and paid monthly to your eHISA. 

    Interest rates quoted are annual; after the Bonus Rate Period, the base rate may change at any time without prior notice.

     
     
    Contact Us: 1-855-670-0510
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