Savings Rates | RRIFs: 1 to 6 years

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Sorted by: 1 Year Term in descending order (Click on a column heading to sort up or down)
Financial Institution Type Compound Frequency Payment Frequency Redeemable Min. Deposit Term in Years
1 2 3 4 5 6
Oaken Financial LD Not compounded Annually no 10,000 2.400 2.600 2.650 2.850 3.050 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.400 2.600 2.650 2.850 3.050 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.400 2.600 2.650 2.850 3.050 -
Oaken Financial LD Not compounded Monthly no 10,000 2.400 2.600 2.650 2.850 3.050 -
Oaken Financial LD Annually At maturity no 10,000 2.400 2.600 2.650 2.850 3.050 -
Effort Trust LD Annually Annually no 1,000 1.950 2.100 2.300 2.400 2.600 -
Home Trust Company LD Not compounded Annually no 10,000 1.950 2.050 2.200 2.350 2.550 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.950 2.050 2.200 2.350 2.550 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.950 2.050 2.200 2.350 2.550 -
Home Trust Company LD Not compounded Monthly no 10,000 1.950 2.050 2.200 2.350 2.550 -
Home Trust Company LD Annually At maturity no 10,000 1.950 2.050 2.200 2.350 2.550 -
Parama Credit Union LD Not compounded Annually no 1,000 1.650 1.900 2.150 2.350 2.550 -
B2B Bank LD Annually Annually no 1,000 1.500 1.850 2.050 2.200 2.360 -
Ontario Civil Service CU LD Not compounded Annually no 60,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU LD Not compounded Annually no 100,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU LD Not compounded Annually no 40,000 1.350 1.600 1.750 1.900 2.200 -
Ontario Civil Service CU LD Not compounded Annually no 10,000 1.300 1.450 1.500 1.750 2.050 -
Ontario Civil Service CU LD Not compounded Annually no 20,000 1.300 1.450 1.500 1.750 2.050 -
Servus Credit Union LD Annually Annually no 5,000 1.300 1.350 1.400 1.600 2.000 -
Sun Life - Trust LD Annually Annually no 5,000 1.300 1.450 1.700 2.050 2.400 2.400
TD Canada Trust LD Not compounded Annually no 500 1.300 1.350 1.400 1.600 2.000 -
TD Canada Trust LD Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
Empire Life LD Annually Periodically yes 100,000 1.250 1.350 1.500 1.750 2.000 2.100
PACE Savings & Credit Un LD Not compounded Annually no 1,000 1.200 1.300 1.600 1.750 2.100 -
Empire Life LD Annually Periodically yes 50,000 1.125 1.225 1.375 1.625 1.875 1.975
Standard Life GT Annually Periodically yes 250,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 500,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 100,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 50,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 10,000 1.125 1.275 1.400 1.475 1.550 1.625
BMO Bank of Montreal LD Annually Periodically no 500 1.000 1.150 1.350 1.600 1.950 1.950
Canada Life GT Annually Periodically yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
Empire Life LD Annually Monthly yes 100,000 1.000 1.100 1.250 1.500 1.750 1.850
Empire Life LD Annually Periodically yes 10,000 1.000 1.100 1.250 1.500 1.750 1.850
Great-West Life LD Not compounded Annually yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life LD Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
London Life GT Annually Periodically yes 100,000 1.000 1.100 1.200 1.500 1.700 -
Ontario Civil Service CU LD Not compounded Annually no 5,000 1.000 1.100 1.350 1.600 1.900 -
Ontario Civil Service CU LD Not compounded Annually no 1,000 1.000 1.100 1.350 1.600 1.900 -
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.250 1.400 1.750 1.750
CIBC LD Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
National Bank LD Annually At maturity yes 500 0.900 1.150 1.250 1.500 1.750 1.950
Windsor Family C.U. LD Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Canada Life GT Annually Periodically yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Empire Life LD Annually Monthly yes 50,000 0.875 0.975 1.125 1.375 1.625 1.725
Great-West Life LD Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Great-West Life LD Not compounded Annually yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
London Life GT Annually Periodically yes 25,000 0.875 0.975 1.075 1.375 1.575 -
Desjardins Fin. Security LD Not compounded Annually yes 500 0.850 0.950 1.400 1.650 1.900 1.900
Desjardins Fin. Security LD Annually At maturity yes 500 0.850 0.950 1.400 1.650 1.900 1.900
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Type - LD indicates a long-term deposit, GT indicates a guaranteed deposit.

A registered retirement income fund (RRIF) is purchased with the proceeds of a registered retirement savings plan (RRSP). RRIFs are interest accruing investment products that provide a minimum periodic income for a predetermined period of time or until all funds are depleted. Due to the product's flexibility, the investor can, in certain cases, request a withdrawal of any amount provided a withdrawal minimum is met on an annual basis. This product is registered for tax purposes, so interest accumulations are not taxed until withdrawn.

Prepared by Cannex on October 25, 2014

This information is current as of the date and time posted and is subject to change without notice.

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