Savings Rates | RRIFs: 1 to 6 years

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Sorted by: 3 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 2.150 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.150 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.150 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Monthly no 10,000 2.150 2.350 2.400 2.600 2.800 -
Oaken Financial LD Annually At maturity no 10,000 2.150 2.350 2.400 2.600 2.800 -
B2B Bank LD Annually Annually no 1,000 1.600 2.050 2.150 2.350 2.450 -
Parama Credit Union LD Not compounded Annually no 1,000 1.650 1.900 2.150 2.350 2.550 -
Effort Trust LD Annually Annually no 1,000 1.650 1.950 2.100 2.300 2.500 -
Home Trust Company LD Not compounded Annually no 10,000 1.650 1.950 2.050 2.250 2.450 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.650 1.950 2.050 2.250 2.450 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.650 1.950 2.050 2.250 2.450 -
Home Trust Company LD Not compounded Monthly no 10,000 1.650 1.950 2.050 2.250 2.450 -
Home Trust Company LD Annually At maturity no 10,000 1.650 1.950 2.050 2.250 2.450 -
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 -
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 100,000 1.250 1.375 1.500 1.625 1.750 1.925
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 1.400 1.500 1.850 2.400 2.400
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 1.250 1.375 1.500 1.625 1.800
BMO Bank of Montreal LD Annually Periodically no 500 1.000 1.150 1.350 1.600 1.950 1.950
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 -
Standard Life GT Annually Periodically yes 250,000 1.125 1.250 1.350 1.375 1.400 1.475
Standard Life GT Annually Periodically yes 500,000 1.125 1.250 1.350 1.375 1.400 1.475
Standard Life GT Annually Periodically yes 100,000 1.125 1.250 1.350 1.375 1.400 1.475
Standard Life GT Annually Periodically yes 50,000 1.125 1.250 1.350 1.375 1.400 1.475
Standard Life GT Annually Periodically yes 10,000 1.125 1.250 1.350 1.375 1.400 1.475
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 LD Not compounded Annually yes 500 0.850 0.950 1.250 1.500 1.700 1.700
Desjardins Fin. Security LD Annually At maturity yes 500 0.850 0.950 1.250 1.500 1.700 1.700
Empire Life LD Annually Periodically yes 10,000 1.000 1.125 1.250 1.375 1.500 1.675
Empire Life LD Annually Monthly yes 100,000 1.000 1.125 1.250 1.375 1.500 1.675
Laurentian Bank Canada LD Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Laurentian Bank Canada LD Not compounded Annually no 500 0.850 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 -
Manulife Investments LD Not compounded Annually yes 2,500 0.900 1.100 1.150 1.350 1.500 1.550
Manulife Investments LD Annually At maturity yes 2,500 0.900 1.100 1.150 1.350 1.500 1.550
Manulife Investments GT Annually Periodically yes 2,500 0.900 1.100 1.150 1.350 1.500 1.550
Empire Life LD Annually Monthly yes 50,000 0.875 1.000 1.125 1.250 1.375 1.550
Canada Life GT Annually Periodically yes 75,000 0.900 1.000 1.100 1.400 1.600 1.900
Desjardins Fin. Security LD Not compounded Semi-annually yes 10,000 0.700 0.800 1.100 1.350 1.550 1.550
Desjardins Fin. Security LD Not compounded Quarterly yes 10,000 0.700 0.800 1.100 1.350 1.550 1.550
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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 December 20, 2014

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

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