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FHSA GICs now available! Learn more

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- HISAs
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- TFSAs
- TFSA GICs
- FHSA
- FHSA GICs
- RRSP & RRSP GICs
- RRIF & RRIF GICs
SavenSmarts Blog

We are seeking members to join FirstOntario's Board of Directors – Learn more

Saven members have the opportunity to run for our Board of Directors.
Learn more

We will be closed on November 13 for Observation of Remembrance Day. | Saven members are invited to run for our Board of Directors.

- HISAs
- GICs
- TFSAs
- TFSA GICs
- FHSA
- FHSA GICs
- RRSP & RRSP GICs
- RRIF & RRIF GICs
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Kick-start your home ownership journey with FHSA

Embark on your path to buying your first home with the Saven Financial First Home Savings Account (FHSA). Enjoy a 3.75%^† return and great benefits designed to help you save for your dream home.

Woman leaning against a door checks her Saven Financial FHSA balance wth moving boxes near by.

Why choose a Saven Financial FHSA?

Unlock the door to your dream home with the Saven Financial's FHSA. This tailored savings solution offers a range of benefits to support you on your journey to homeownership.

Top-tier interest rates

Get the most out of your savings with our incredible interest rates, propelling you toward your goal of homeownership swiftly.

Fee-free savings

Say goodbye to unnecessary charges. Our FHSA is free from monthly fees, ensuring every penny you save goes straight towards your home.

On-the-go account management

Enjoy the convenience of accessing and managing your account anytime, anywhere with our user-friendly digital platform.

Boost your savings with tax-free growth

Amplify your saving potential as your contributions and their earnings remain tax-free within the account, putting you on the fast track to homeownership.

Flexibility for the future

Secure your future with our adaptable FHSA. Roll over unused contribution room and transfer unused deposits to your RRSP or RRIF tax-free, giving you peace of mind and flexibility.

Open doors with easy access

Our FHSA is readily available to Canadian residents (excluding Quebec) aged 18 and over with a valid SIN and who have not lived in a home they or their partner owned in the calendar year the FHSA has been opened or any time in the preceding four calendar years.

Embrace the journey to your first home with Saven Financial's FHSA, offering a seamless saving experience and the support you need to turn your dreams into reality.

Excited man as he opens a FHSA with Saven Financial on his phone.

Your gateway to homeownership

The FHSA is more than just a savings account, it's a strategic tool designed to supercharge your savings journey. Tailored specifically for first-time home buyers, this account combines competitive interest rates with unparalleled tax benefits, providing a seamless and efficient path to homeownership.

The value of opening a FHSA

FHSA is a great tool to save for that first home and you can maximize the benefit by opening your account sooner rather than later. To take full advantage of contributions, open an FHSA today, regardless of the amount you put into it. Doing so allows you to obtain the $8,000 contribution limit/room for the year, setting a strong foundation for your savings.

Smiling woman sitting on the floor at home accessing her FHSA on the Saven Financial mobile app.

Experience unmatched security and peace of mind

At Saven Financial, your financial security is our top priority. We diligently safeguard your accounts and personal information, ensuring only you can access them through robust AI-driven multi-factor authentication.

Man checks his Saven Financial FHSA balance as he leans against his car outside his home.

3.75

To get our rate,
you must be a Saven member.

JOIN US

ALREADY A MEMBER?
CLICK HERE TO LOG IN TO SAVEN ONLINE BANKING.

Let's get you back to saving!

Still feeling lost? We're always here to guide and assist. Contact our Saven Service Centre for personalized help.

Ready to get started?

It only takes a few minutes to enjoy great interest rates, no monthly fees and start Saven for your future!

Begin your journey to homeownership today!

Unlock exceptional interest rates, zero monthly fees, and tax-free growth with Saven Financial's Home Savings Account.
Start building towards your future home today!

Ready to boost your savings?

Experience the power of consistently great rates. Begin your journey towards better savings today!

Secure your future with guaranteed returns!

Don't let market volatility dictate your returns. Commit now for guaranteed growth!

Maximize your savings, tax-free!

Save smarter and keep more of your hard-earned money. Start your tax-free journey today!

Guarantee your growth, tax-free!

Secure your savings with certainty. Invest in a TFSA GIC today and watch your money grow, worry-free!

Ready to Enjoy Your Retirement Income?

Don't wait to turn your retirement savings into a steady income stream. Let Saven Financial guide you through the smooth transition from RRSP to RRIF.

Ready to Grow Your Retirement Savings?

Don't wait to secure your financial future. Open an RRSP with Saven Financial today and earn competitive interest rates on your retirement savings.

Discover rates tailored for your goals!

Ensure your money is working as hard as you do. Choose the account that's right for you and start earning more today!

Transparent, fair, and rarely needed!

Navigate your finances confidently and without hidden fees.

Experience savings, refined and redefined!

Because banking should be easy, convenient, and always in your favour.
Start your seamless saving journey with us today!

Join a community focused on your financial growth!

Because we believe in a brighter financial future for everyone. Get to know us better, and let's save together!

Savings meets service - make a difference with Saven Financial!

Together, let's make every dollar count. Join the Saven Financial family and shape a better tomorrow for all of Ontario!

Become a smarter saver with Saven Financial!

Never miss out on a chance to save more efficiently. Subscribe to SavenSmarts and take control of your financial future today!

Still have questions? We're here to help!

Your understanding and satisfaction are paramount to us. Can't find an answer? Reach out and let's get you sorted!

Step into the future with Saven Financial!

Experience financial clarity, commitment, and community like never before.
Become a Saven Financial member today and redefine your savings experience!

Navigating with trust and transparency!

Peace of mind in every click. Stay informed about our practices, and bank online with confidence.
Questions about our policies? Reach out to ensure clarity every step of the way.

Your security is our top priority!

Enjoy peace of mind with every transaction and interaction. Trust in our commitment to safeguard your financial journey at all times.
Need more details on our protective measures? We're here to address any concerns.

Take control of your financial safety!

Your security starts with you. Explore our guidelines, be vigilant, and ensure a secure financial future.
Have questions or need more advice? We're always here to assist and inform.

Your voice shapes our service!

Whether it's a compliment or a concern, your insights are crucial.
Share your experiences with Saven Financial, and together, let's elevate your savings journey.
Have a unique perspective or question? Reach out directly - we're always listening.

Reach out, even during the holidays!

Keep our holiday schedule handy to ensure you get the support you need when you need it.
Have questions during the holidays? Explore our FAQ or drop us a message, and we'll get back to you!

Banking at your fingertips with the Saven Financial app!

Stay in control of your finances and download our app now to unlock the full spectrum of online services.
Encountering challenges or have questions about the app? We're here to help!

While we fix things up...

Explore more from Saven Financial or stay updated with our latest insights.

SavenSmarts

Your vote shapes our future!

Exercise your right and make an impact! Stay informed, discover the candidates, and cast your vote!
Not sure how to vote or need more details? We're here to guide you every step of the way.

Meet the visionaries behind Saven's tomorrow!

Your informed vote paves the way for Saven's future. Take your time, get to know each candidate, and make your voice heard.
Have questions or need clarity on the election process? Reach out, and we're here to assist!

Stay ahead with SavenSmarts!

Dive deeper into the world of savings, finance and more with us. Be a part of the Saven Financial community and never miss an insight!

SavenSmarts

Begin your home savings journey

In just a few minutes, you can start benefiting from our outstanding rates on FHSA GICs.
Join us at Saven Financial and take a significant step towards saving for your first home!

Got questions?

View our FAQs

Live chat with us

Call 1-877-98SAVEN (987-2836)

Access your accounts on the go

Learn about our mobile app

Subscribe to our newsletter

Let's connect

Facebook: @savenfinancial Twitter: @savenfinancial LinkedIn: @savenfinancial Instagram: @savenfinancial

Our Leadership Online Policies Elections Rates Fees

* Saven is a division of FirstOntario Credit Union.

* Banking services not available in Quebec.

† High Interest Savings Account (HISA): Per annum rate. Rate subject to change at any time. Conditions apply. Interest is calculated daily and paid at the end of each month. No minimum deposit.

†† Guaranteed Investment Certificate (GIC): Rate applies to both registered and non-registered term. 4-month and 6-month GIC not available for FHSA. Minimum investment is $1,000. Non-redeemable. Per annum rates. Rates subject to change at any time. Conditions apply. For non-registered GIC, choice of interest payout annually to HISA or reinvest interest back in GIC account. For registered GICs, choice of interest payout annually to the same registered ISA or reinvest interest back in the same account.

¶ Contribution is pro-rated annually based on the value of deposits and amount of time they are held with Saven, to a maximum of 0.05% of deposits.

Kick-start your home ownership journey with FHSA

Why choose a Saven Financial FHSA?

Top-tier interest rates

Fee-free savings

On-the-go account management

Boost your savings with tax-free growth

Flexibility for the future

Open doors with easy access

Your gateway to homeownership

The value of opening a FHSA

Experience unmatched security and peace of mind

Let's get you back to saving!

Ready to get started?

Begin your journey to homeownership today!

Ready to boost your savings?

Secure your future with guaranteed returns!

Maximize your savings, tax-free!

Guarantee your growth, tax-free!

Ready to Enjoy Your Retirement Income?

Ready to Grow Your Retirement Savings?

Discover rates tailored for your goals!

Transparent, fair, and rarely needed!

Experience savings, refined and redefined!

Join a community focused on your financial growth!

Savings meets service - make a difference with Saven Financial!

Become a smarter saver with Saven Financial!

Still have questions? We're here to help!

Step into the future with Saven Financial!

Navigating with trust and transparency!

Your security is our top priority!

Take control of your financial safety!

Your voice shapes our service!

Reach out, even during the holidays!

Banking at your fingertips with the Saven Financial app!

While we fix things up...

Your vote shapes our future!

Meet the visionaries behind Saven's tomorrow!

Stay ahead with SavenSmarts!

Begin your home savings journey

Got questions?

Access your accounts on the go

Subscribe to our newsletter

Let's connect

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