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Other RRIFs
Savings Rates | RRIFs: 1 to 6 years
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| Financial Institution | Type | Compound Frequency | Payment Frequency | Redeemable | Min. Deposit | Term in Years | |||||
| 1 | 2 | 3 | 4 | 5 | 6 | ||||||
| Parama Credit Union | LD | Not compounded | Annually | no | 1,000 | 1.650 | 1.850 | 2.100 | 2.250 | 2.400 | - |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Effort Trust | LD | Annually | Annually | no | 10,000 | 1.700 | 1.850 | 2.000 | 2.150 | 2.300 | - |
| Home Trust Company | LD | Annually | At maturity | no | 10,000 | 1.750 | 1.800 | 1.950 | 2.050 | 2.200 | - |
| Home Trust Company | LD | Not compounded | Monthly | no | 10,000 | 1.750 | 1.800 | 1.950 | 2.050 | 2.200 | - |
| Home Trust Company | LD | Not compounded | Quarterly | no | 10,000 | 1.750 | 1.800 | 1.950 | 2.050 | 2.200 | - |
| Home Trust Company | LD | Not compounded | Annually | no | 10,000 | 1.750 | 1.800 | 1.950 | 2.050 | 2.200 | - |
| Home Trust Company | LD | Not compounded | Semi-annually | no | 10,000 | 1.750 | 1.800 | 1.950 | 2.050 | 2.200 | - |
| B2B Bank | LD | Annually | Annually | no | 1,000 | 1.450 | 1.750 | 1.850 | 2.050 | 2.200 | - |
| Boomerang Credit Union | LD | Annually | At maturity | no | 500 | 1.100 | 1.650 | 1.800 | 2.000 | 2.150 | - |
| Teachers Credit Union | LD | Annually | At maturity | no | 500 | 1.400 | 1.650 | 1.800 | 2.200 | 2.500 | - |
| 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 | 1.500 | 1.625 | 1.750 | 2.000 | 2.000 |
| PACE Savings & Credit Un | LD | Not compounded | Annually | no | 1,000 | 1.200 | 1.500 | 1.600 | 1.750 | 2.100 | - |
| Standard Life | GT | Annually | Periodically | yes | 10,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | GT | Annually | Periodically | yes | 50,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | GT | Annually | Periodically | yes | 500,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | GT | Annually | Periodically | yes | 100,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Standard Life | GT | Annually | Periodically | yes | 250,000 | 1.300 | 1.425 | 1.550 | 1.700 | 1.850 | 1.900 |
| Empire Life | LD | Annually | Periodically | yes | 50,000 | 1.125 | 1.375 | 1.500 | 1.625 | 1.875 | 1.875 |
| Ontario Civil Service CU | LD | Not compounded | Annually | no | 20,000 | 1.300 | 1.450 | 1.500 | 1.750 | 2.050 | - |
| Ontario Civil Service CU | LD | Not compounded | Annually | no | 10,000 | 1.300 | 1.450 | 1.500 | 1.750 | 2.050 | - |
| Sun Life - Insurance | LD | Annually | Annually | yes | 5,000 | 1.100 | 1.250 | 1.450 | 1.650 | 1.850 | 1.850 |
| Canada Life | GT | Annually | Periodically | yes | 75,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | LD | Annually | At maturity | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| Great-West Life | LD | Not compounded | Annually | yes | 50,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | 1.950 |
| London Life | GT | Annually | Periodically | yes | 100,000 | 1.150 | 1.250 | 1.400 | 1.450 | 1.550 | - |
| Empire Life | LD | Annually | Monthly | yes | 100,000 | 1.000 | 1.250 | 1.375 | 1.500 | 1.750 | 1.750 |
| Empire Life | LD | Annually | Periodically | yes | 10,000 | 1.000 | 1.250 | 1.375 | 1.500 | 1.750 | 1.750 |
| BMO Bank of Montreal | LD | Annually | Periodically | no | 500 | 1.000 | 1.150 | 1.350 | 1.600 | 1.950 | 1.950 |
| Manulife Investments | LD | Not compounded | Annually | yes | 2,500 | 1.100 | 1.200 | 1.350 | 1.400 | 1.500 | 1.500 |
| Manulife Investments | GT | Annually | Periodically | yes | 2,500 | 1.100 | 1.200 | 1.350 | 1.400 | 1.500 | 1.500 |
| Manulife Investments | LD | Annually | At maturity | yes | 2,500 | 1.100 | 1.200 | 1.350 | 1.400 | 1.500 | 1.500 |
| 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 | - |
| Servus Credit Union | LD | Annually | Annually | no | 5,000 | 1.050 | 1.200 | 1.350 | 1.600 | 1.950 | - |
| TD Canada Trust | LD | Annually | At maturity | no | 500 | 1.000 | 1.100 | 1.350 | 1.600 | 1.850 | - |
| TD Canada Trust | LD | Not compounded | Annually | no | 500 | 1.000 | 1.100 | 1.350 | 1.600 | 1.850 | - |
| Windsor Family C.U. | LD | Annually | At maturity | no | 500 | 0.900 | 1.200 | 1.300 | 1.600 | 2.000 | - |
| Canada Life | GT | Annually | Periodically | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| Great-West Life | LD | Not compounded | Annually | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| Great-West Life | LD | Annually | At maturity | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | 1.825 |
| London Life | GT | Annually | Periodically | yes | 25,000 | 1.025 | 1.125 | 1.275 | 1.325 | 1.425 | - |
| 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 | - |
| Desjardins Fin. Security | GT | Annually | Periodically | yes | 500 | 1.050 | 1.050 | 1.250 | 1.500 | 1.700 | 1.700 |
| Empire Life | LD | Annually | Monthly | yes | 50,000 | 0.875 | 1.125 | 1.250 | 1.375 | 1.625 | 1.625 |
| Laurentian Bank Canada | LD | Not compounded | Annually | no | 500 | 0.900 | 1.100 | 1.250 | 1.450 | 1.750 | - |
| Laurentian Bank Canada | LD | Annually | At maturity | no | 500 | 0.900 | 1.100 | 1.250 | 1.450 | 1.750 | - |
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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 May 18, 2013
This information is current as of the date and time posted and is subject to change without notice.
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