Just spent way too much time comparing savings accounts in Canada and honestly, the rates right now are pretty wild if you know where to look. Like, most big banks are basically giving you nothing, but there are some legit alternatives that actually make it worth keeping cash somewhere.

So I found this EQ Bank thing that's offering 2.75% with zero fees and no minimum. That's solid. But then I saw they also have a notice savings account where you get 4.5% if you give them 10 days notice before withdrawing, or 5% with 30 days notice. No fees either. That's actually kind of genius if you're not touching the money anyway.

Saven Financial has 2.85% and it's not some limited-time promo - that's the actual rate. Only downside is it's Ontario-only and you need to drop $25 to become a member of First Ontario Credit Union. But if you're in Ontario, that's probably the best hisa canada option right now honestly.

Then there's the promotional stuff. Scotiabank's MomentumPlus gives you 4.75% for the first 3 months, then drops to regular rates. Simplii and Tangerine both do 4.5% for the first few months as a welcome bonus. Wealthsimple Cash sits at 2.25% with no promo period and unlimited transactions, plus you get 1% cashback on their Mastercard if you use it.

Neo's at 2.25% too, also no fees. Maxa Financial is 1.75% but charges you for transactions, so that's kind of a pass unless you literally never touch it.

Honestly, if you're trying to find the best hisa canada for long-term parking, Saven or EQ Bank's notice account are probably your move. The promotional rates are nice but they always drop after a few months, so don't get too attached to those numbers. I'm probably moving some money around to take advantage of a couple of these. Anyone else been shopping around or just leaving cash in regular savings like it's 2015?