Combination Savings

There when you need it.
Growing when you don't.

Combining the earning power of a GIC with the flexibility of a savings account.

How it works

The Combination Savings Account is only available for new deposits during limited-time sales periods. To qualify for the rate offer, all you have to do is maintain a minimum balance of $5000. Special rates unlock every three months, and you can access your money any time.

Special Rate

For every 3-month period that you’re able to keep a minimum of $5000 saved, the Combination Savings Account pays a special rate. Interest is calculated daily on the closing balance, and paid monthly to your account. The offer rate is paid for a specific term following the sales period, and new special rates are unlocked every three months, so start saving!



$0 - $4,999


$5,000 - $99,999


$100,000 - $249,999


$250,000 - $499,999


$500,000 +


Transactions, Withdrawals & Deposits

You can open a Combination Savings account any time during a sales period, and can make deposits in the branch, online, by e-transfer or wire transfer. The account is intended to be used as a flexible addition to your savings portfolio, and you can use it to make bill payments, online transfers to other Community First accounts, or withdrawls at any time. Some conditions apply, please contact us for more details.

Some Restrictions Apply

*The marginally tiered bonus rate applies to a minimum balance of $5,000. If the balance drops below $5,000 during the period, the interest rate that will be paid is 0.05%. Certain transactions are not allowed including loan payments, ATM access, debit card transactions, and transfers to accounts at other financial institutions.