Tandia Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
WOWA.ca is an independent financial comparison platform and is not affiliated with Tandia Credit Union.
⚠️It merged into Alterna Savings and Credit Union in 2026 and now operates as a subsidiary under the name Tandia Financial.
Read our independent Tandia Credit Union review to compare financial metrics, chequing fees, and branch locations across Ontario. As of 2026, Tandia Credit Union ranks #37 among Canadian credit unions with $1.5 billion in total assets.
Quick Jump: Chequing & Savings Accounts|Financial Metrics
Credit Union
Tandia
Tandia Credit Union is a credit union located in Ontario. It was founded in 2014 through the merger of Teachers Credit Union and Prosperity ONE Credit Union. It primarily serves Southwestern and Central Ontario.
Tandia Financial, now a division of Alterna Savings, was formed in 2014 through the merger of Teachers Credit Union and Prosperity ONE Credit Union. Its predecessor institutions had southern Ontario cooperative roots dating to 1940 and 1957, including connections to the education and community service sectors.
Operating under the Tandia Financial name, the credit union served members in Hamilton, Halton, Brant, and surrounding communities with personal and business banking, lending, mortgages, investments, and financial advice. Its work focused on member ownership, local service, and cooperative financial services for individuals, families, and businesses.
In 2026, Tandia Financial joined Alterna Savings and Credit Union. It continues to serve members as Tandia Financial, a division of Alterna Savings, within a larger Ontario cooperative financial institution.
Provinces served
Tandia Credit Union Ranking Among Credit Unions Monitored by WOWA
37th
by Assets
of 91 credit unions
36th
by Loans
of 90 credit unions
37th
by Deposits
of 90 credit unions
Tandia Credit Union ranks 37th among Canadian credit unions by assets monitored by WOWA, 36th by loans, and 37th by deposits, as of December 31, 2024. You can view the complete list of Canadian credit unions here.
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: A-La-Carte Plan
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $3,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Withdrawal (Staff-Assisted): $1.00 Account Transfer (Staff-Assisted): $1.00 Bill Payment (Staff-Assisted): $1.00 Cheque: $1.00 Pre-Authorized Debit: $1.00 Account Transfer: $1.00 Bill Payment: $1.00 Point-of-Sale Transaction: $1.00 Interac e-Transfer: $1.00 ATM Transaction (Tandia): $1.00 ATM Transaction (EXCHANGE Network): $1.00
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Tandia Credit Union A-La-Carte Plan is a no-monthly-fee chequing account with pay-per-transaction pricing. Most in-branch and self-serve transactions, including withdrawals, transfers, bill payments, debit purchases, cheques, and Interac e-Transfers, cost $1 each. Monthly e-statements are included at no additional cost.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Limitless Plan
- Standard Fee
- $12.95/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $3,000 in your account.
- The account fee may be waived for students and youth.
- The account fee might be waived for seniors.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Tandia Limitless Plan is a $12.95-per-month chequing account with unlimited transactions, including withdrawals, transfers, bill payments, cheques, pre-authorized debits, debit purchases, and Interac e-Transfers. Tandia and THE EXCHANGE network ATM withdrawals are also included. The monthly fee is waived by maintaining a minimum monthly balance of $3,000.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: Smart Savings
- Interest Rate
- 0.00%*
- Standard Fee
- Free
- Free Transactions
- 1
- Max e-Transfer / Day
- $3,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 1 free transaction.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $4,999 0.00% $5,000 to $49,999 0.10% $50,000 or more 0.30% - Tandia Credit Union Smart Savings is a savings account with 3 interest tiers based on the account balance: up to $4,999, $5,000 to $49,999, and $50,000 or more. Interest is calculated on the closing daily balance and paid monthly. Online transfers between Tandia accounts are free, while Interac e-Transfers cost $5 each.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: Tiered Interest Savings
- Interest Rate
- 0.05%*
- Standard Fee
- Free
- Free Transactions
- 1
- Max e-Transfer / Day
- $3,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 1 free transaction.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $9,999 0.05% $10,000 to $24,999 0.10% $25,000 to $59,999 0.15% $60,000 or more 0.25% - Tandia Credit Union Tiered Interest Savings is a savings account with 5 interest tiers based on the account balance. Interest is calculated on the closing daily balance and paid monthly. The account includes 1 debit transaction, with additional transactions charged individually, and supports access through the ding-free ATM network and Interac Direct Payment.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2024 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $1,456M | -3.6% | -11.3% |
| Loans | $1,256M | -4.2% | -6.6% |
| Deposits | $1,143M | +1.0% | -2.6% |
| Loan-to-Deposit Ratio | 109.9% | — | — |
| Mortgages + HELOCs | $806M | -5.7% | -20.0% |
| Securities | $113M | +28.4% | -47.2% |
| Revenue | $30M | -3.2% | +7.1% |
| Efficiency Ratio | 88.0% | — | — |
| Target Members / Region | Southwestern and Central Ontario | — | — |
Tandia Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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