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High Interest eSavings Account

Enjoy 4.40% for 90 days on new deposits when you open a High Interest eSavings Account with us.

    Watch your savings grow!

    2.25%
    BASE RATE

    Earn high interest calculated daily, 
    with no minimum balance.

    +2.15%
    BONUS INTRO RATE

    Get bonus interest for 90 days 
    when you deposit new money*.

    *New money not currently on deposit with Kawartha. Offer expires March 17, 2026. See terms & conditions below

    Account highlights

    No monthly fee

    No minimum (or maximum) deposit.

    Free transfers

    Enjoy unlimited free online transfers to your
    other Kawartha accounts.

    Two free withdrawals

    Receive two free monthly withdrawals.

    RRSP/TFSA eligible

    Whether you choose TFSA, RRSP or a non-registered account, you are in control of how you want your money to work for you.

    Account fees

    Monthly fee                     $0

    Free withdrawals           Two per month

    Transaction fee               $7.50 (withdrawals in excess of two)

    eTransfer in                      Free

    Remote deposit             Free
    capture              

    Free online transfers     To other Kawartha accounts

    Registered (RRSP/TFSA) accounts are not eligible for online transactions. Transactions must be made in-branch or over the phone). RRSP accounts are not eligible for the free withdrawals, and the transaction fee is $25. 

    *This offer is only available on new deposits when members open their first High Interest eSavings Account (eHISA). The offer will expire on March 17, 2026. New deposits will earn a total interest rate of 4.40% 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.
     

    New to Kawartha? Open an account online.

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    Discover the Kawartha difference

    Even though we offer similar products and services as traditional banks, we're fundamentally different. Our customers aren't just customers; they're members, and as members, they're also owners. This unique structure drives our singular focus: helping our members and the communities we serve thrive financially. Our local Board of Directors, elected by our members, ensures that our decisions are always in YOUR best interest. Plus, any excess earnings are reinvested back into our members' pockets through patronage shares, lower loan rates, and higher yields on deposits. That's the Kawartha difference and the credit union advantage – where members and their community benefit.
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    Competitive products and fees

    There is more where this came from! We provide flexible solutions and competitive rates. Under 26? Most of your day-to-day banking is free. Members age 60 or older benefit from various fee discounts.

    Service excellence

    Serving our members with excellence is one of our core values and we are committed to providing outstanding banking experiences. We invest in our employees to ensure that the advice and service they provide to our members is second to none.

    Giving to your community

    Our focus on local volunteering and giving helps to make our branch communities stronger.

    Exclusive insurance discounts

    Kawartha has teamed up with Sonnet Insurance to give members access to exclusive discounts and benefits. 

    Convenient access to services

    • 23 branches with convenient locations and hours

    • Bank anytime with online or mobile banking

    • Access thousands of surcharge-free ATMs across North America

     
     
    Contact Us: 1-855-670-0510
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