Tax-Free Savings

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Invest without paying tax on interest or investment earnings

A tax-free savings account is a flexible savings vehicle that allows you to save your money and make withdrawals without being taxed.

TFSA Benefits:

Withdraw from this account at any time.
Interest earned is tax-free.
Interest is calculated on the minimum monthly balance and paid semi-annually.
Rates in a term are fixed, so they will never go down.
Option of a short or long-term plan.
Unused contribution room will carry forward to the following year.
No service charges to withdraw or deposit.
Recurring automatic transfers or payroll deduction to your TFSA.

Refer to your notice of assessment from the CRA to know your contribution room.

Contribution Limit
2009 – 2012	$5,000
2013 – 2014	$5,500
2015	$10,000
2016 – 2017	$5,500
2018	$5,500
2019 – 2022	$6,000
2023	$6,500

GHCU RATES

View our complete list of rates here.

For more information please visit the Government of Canada website.

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