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I've decided to put my savings into a Credit Union that actually pays decent interest without any terms. If you choose the correct locations, you don't have to chase around the highest rates, because you'll already be pretty close as it is. Major banks have a hard time comparing most often.

Currently I'm getting 2% on regular savings and 2.5% on TFSA account, without any terms.

(This is money being saved for a house, so I'm not planning on taking it out for a while.)
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