Savings Rates | RRIFs: 1 to 6 years

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Sorted by: 2 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 Semi-annually no 10,000 2.050 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Annually no 10,000 2.050 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.050 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Monthly no 10,000 2.050 2.350 2.400 2.600 2.800 -
Oaken Financial LD Annually At maturity no 10,000 2.050 2.350 2.400 2.600 2.800 -
Parama Credit Union LD Not compounded Annually no 1,000 1.650 1.900 2.150 2.500 2.550 -
B2B Bank LD Annually Annually no 1,000 1.350 1.750 1.850 1.900 2.100 -
Effort Trust LD Annually Annually no 1,000 1.500 1.750 1.850 2.000 2.150 -
Home Trust Company LD Not compounded Annually no 10,000 1.500 1.750 1.850 2.000 2.150 -
Home Trust Company LD Annually At maturity no 10,000 1.500 1.750 1.850 2.000 2.150 -
Home Trust Company LD Not compounded Monthly no 10,000 1.500 1.750 1.850 2.000 2.150 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.500 1.750 1.850 2.000 2.150 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.500 1.750 1.850 2.000 2.150 -
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 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 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 -
PACE Savings & Credit Un LD Not compounded Annually no 1,000 1.200 1.300 1.600 1.750 2.100 -
Sun Life - Trust LD Annually Annually no 5,000 1.200 1.300 1.400 1.600 2.150 2.150
BMO Bank of Montreal LD Annually Periodically no 500 1.000 1.150 1.250 1.350 1.600 1.600
Servus Credit Union LD Annually Annually no 5,000 1.000 1.150 1.250 1.350 1.650 -
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.250 1.400 1.750 1.750
Laurentian Bank Canada LD Not compounded Annually no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada LD Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Ontario Civil Service CU LD Not compounded Annually no 1,000 1.000 1.100 1.350 1.600 1.900 -
Ontario Civil Service CU LD Not compounded Annually no 5,000 1.000 1.100 1.350 1.600 1.900 -
Windsor Family C.U. LD Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
TD Canada Trust LD Not compounded Annually no 500 1.000 1.050 1.100 1.300 1.450 -
TD Canada Trust LD Annually At maturity no 500 1.000 1.050 1.100 1.300 1.450 -
Empire Life LD Annually Periodically yes 100,000 1.000 1.000 1.125 1.250 1.375 1.500
National Bank LD Annually At maturity yes 500 0.650 0.950 1.100 1.300 1.450 1.750
Empire Life LD Annually Periodically yes 50,000 0.875 0.875 1.000 1.125 1.250 1.375
CIBC LD Annually At maturity no 500 0.650 0.850 0.950 1.150 1.500 -
Laurentian Bank Canada LD Not compounded Quarterly no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada LD Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
Standard Life GT Annually Periodically yes 50,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life GT Annually Periodically yes 500,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life GT Annually Periodically yes 250,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life GT Annually Periodically yes 100,000 0.775 0.825 0.850 0.975 1.100 1.225
Standard Life GT Annually Periodically yes 10,000 0.775 0.825 0.850 0.975 1.100 1.225
Canada Life GT Annually Periodically yes 75,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life LD Not compounded Annually yes 50,000 0.800 0.800 0.850 0.950 1.100 1.450
Great-West Life LD Annually At maturity yes 50,000 0.800 0.800 0.850 0.950 1.100 1.450
London Life GT Annually Periodically yes 100,000 0.800 0.800 0.850 0.950 1.100 -
Manulife Investments LD Annually At maturity yes 2,500 0.600 0.800 0.700 0.800 1.000 1.000
Manulife Investments GT Annually Periodically yes 2,500 0.600 0.800 0.700 0.800 1.000 1.000
Manulife Investments LD Not compounded Annually yes 2,500 0.600 0.800 0.700 0.800 1.000 1.000
Sun Life - Insurance LD Annually Annually yes 5,000 0.750 0.800 0.850 1.050 1.400 1.400
Sun Life - Trust LD Annually Annually yes 5,000 0.750 0.800 0.850 1.050 1.400 1.400
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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 January 29, 2015

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

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