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 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 -
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 -
B2B Bank LD Annually Annually no 1,000 1.500 1.980 2.100 2.300 2.550 -
Effort Trust LD Annually Annually no 1,000 1.750 1.950 2.100 2.300 2.500 -
Home Trust Company LD Not compounded Annually no 10,000 1.700 1.900 2.050 2.250 2.450 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.700 1.900 2.050 2.250 2.450 -
Home Trust Company LD Not compounded Monthly no 10,000 1.700 1.900 2.050 2.250 2.450 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.700 1.900 2.050 2.250 2.450 -
Home Trust Company LD Annually At maturity no 10,000 1.700 1.900 2.050 2.250 2.450 -
Parama Credit Union LD Not compounded Annually no 1,000 1.650 1.900 2.150 2.350 2.550 -
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 -
Empire Life LD Annually Periodically yes 100,000 1.250 1.450 1.625 1.750 2.000 2.125
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 -
Sun Life - Trust LD Annually Annually no 5,000 1.300 1.450 1.700 2.050 2.450 2.450
Servus Credit Union LD Annually Annually no 5,000 1.300 1.350 1.400 1.600 2.000 -
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 50,000 1.125 1.325 1.500 1.625 1.875 2.000
PACE Savings & Credit Un LD Not compounded Annually no 1,000 1.200 1.300 1.600 1.750 2.100 -
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
Empire Life LD Annually Periodically yes 10,000 1.000 1.200 1.375 1.500 1.750 1.875
Empire Life LD Annually Monthly yes 100,000 1.000 1.200 1.375 1.500 1.750 1.875
BMO Bank of Montreal LD Annually Periodically no 500 1.000 1.150 1.350 1.600 1.950 1.950
National Bank LD Annually At maturity yes 500 0.900 1.150 1.250 1.500 1.750 1.950
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 -
Canada Life GT Annually Periodically yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
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
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 -
London Life GT Annually Periodically yes 100,000 1.000 1.100 1.200 1.500 1.700 -
Manulife Investments LD Annually At maturity yes 2,500 0.900 1.100 1.250 1.450 1.550 1.600
Manulife Investments LD Not compounded Annually yes 2,500 0.900 1.100 1.250 1.450 1.550 1.600
Manulife Investments GT Annually Periodically yes 2,500 0.900 1.100 1.250 1.450 1.550 1.600
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 -
Windsor Family C.U. LD Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Empire Life LD Annually Monthly yes 50,000 0.875 1.075 1.250 1.375 1.625 1.750
Desjardins Fin. Security LD Not compounded Annually yes 500 0.850 1.050 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 November 27, 2014

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

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