TFSA Early Bird Account®

Early Bird Account®

Early birds get the worm...and a market-leading interest rate

Rise and shine and make your 2019 TFSA contributions in 2018!

With a great rate of 2.50%, the Early Bird Account is perfect if you like to max out your TFSA contributions and want to get a jumpstart on next year.



Key Features & Benefits


If you're that person who puts the maximum amount possible into your TFSA each year, then you will love the Early Bird Account. With it, you can start saving for next year's TFSA contribution by putting money away today.

You'll start earning a great interest rate as soon as you put your money in and you'll have savings ready to go into your TFSA by January 1, 2019. This rate starts September 4, 2018 and can change at any time without notice, so take advantage of this limited time offer today!

  • You'll avoid the January TFSA contribution rush
  • You'll receive a great interest rate on your deposits prior to contributing to your TFSA
  • There's no minimum deposit amount
  • Interest is calculated daily and paid monthly
  • Plus, you can rest easy knowing that your deposits are 100% guaranteed.†

How it Works

  1. Set up an Early Bird Account and make your initial deposit.
  2. Watch your contribution grow at a great interest rate.
  3. We automatically transfer your funds to your TFSA on January 1st, 2019.
  4. On January 2nd, 2019 any interest earned will be automatically transferred to the account from which the original contribution was made.

Terms & Conditions


Offer valid from September 4, 2018 to December 31, 2018 and cannot be combined with any other offer. Limit of one Early Bird Account per person.

Interest is calculated daily and paid monthly. Rates as of September 4, 2018 are expressed on a per annum basis and are subject to change without notice. Maximum annual contribution to the Early Bird Account is $6,000; any balances over $6,000 will receive an interest rate of 0%.

On January 1, 2019, Envision Financial will transfer the contribution to your account, to a maximum of $6,000, automatically to your TFSA High Interest Savings Account. This is to help ensure that your Tax-Free Savings Account contribution does not exceed the maximum limit allowed by Canada Revenue Agency for 2019.

Any balance left in the Early Bird Account® on January 2, 2019 will be transferred back to the account from which the original contribution was made from.

Taxes paid on interest earned may vary and are based on your personal tax bracket.




Our financial experts are all about keeping it simple and they are here to help you make the best decision you can. If you're looking for strategies so you can invest confidently and make your financial dreams a reality, reach out. We're happy to help.




†The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all BC credit union deposits. Credit Union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.