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 Quarterly no 10,000 2.050 2.750 2.750 2.750 2.750 -
Oaken Financial LD Not compounded Annually no 10,000 2.050 2.750 2.750 2.750 2.750 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.050 2.750 2.750 2.750 2.750 -
Oaken Financial LD Not compounded Monthly no 10,000 2.050 2.750 2.750 2.750 2.750 -
Oaken Financial LD Annually At maturity no 10,000 2.050 2.750 2.750 2.750 2.750 -
Effort Trust LD Annually Annually no 1,000 1.800 2.100 2.200 2.250 2.300 -
Home Trust Company LD Annually At maturity no 10,000 1.660 1.850 1.950 2.010 2.100 -
Home Trust Company LD Not compounded Monthly no 10,000 1.660 1.850 1.950 2.010 2.100 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.660 1.850 1.950 2.010 2.100 -
Home Trust Company LD Not compounded Annually no 10,000 1.660 1.850 1.950 2.010 2.100 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.660 1.850 1.950 2.010 2.100 -
Parama Credit Union LD Not compounded Annually no 1,000 1.600 1.750 1.900 2.050 2.200 -
B2B Bank LD Annually Annually no 1,000 1.300 1.800 1.850 1.900 1.950 -
Rapport Credit Union LD Not compounded Annually no 100,000 1.400 1.500 1.550 1.600 2.250 -
Rapport Credit Union LD Not compounded Annually no 60,000 1.400 1.500 1.550 1.600 2.250 -
Luminus Financial LD Annually At maturity no 500 2.000 1.400 1.500 1.650 1.750 -
PACE Savings & Credit Un LD Not compounded Annually no 1,000 1.000 1.200 1.400 1.500 1.600 -
Rapport Credit Union LD Not compounded Annually no 20,000 1.250 1.350 1.400 1.450 1.900 -
Rapport Credit Union LD Not compounded Annually no 10,000 1.000 1.350 1.400 1.450 1.900 -
Rapport Credit Union LD Not compounded Annually no 40,000 1.250 1.350 1.400 1.450 2.100 -
National Bank LD Annually At maturity yes 500 0.900 1.100 1.200 1.350 1.500 1.650
BMO Bank of Montreal LD Annually Periodically no 500 0.850 1.050 1.150 1.250 1.500 1.500
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.150 1.300 1.500 1.500
Laurentian Bank Canada LD Not compounded Annually no 500 0.850 1.000 1.150 1.300 1.500 -
Laurentian Bank Canada LD Annually At maturity no 500 0.850 1.000 1.150 1.300 1.500 -
Rapport Credit Union LD Not compounded Annually no 5,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union LD Not compounded Annually no 1,000 1.000 1.100 1.150 1.200 1.700 -
Sun Life - Trust LD Annually Annually no 5,000 0.900 1.100 1.150 1.350 1.600 1.600
WFCU Credit Union LD Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
Empire Life LD Annually Periodically yes 100,000 0.900 0.900 1.000 1.150 1.700 1.650
TD Canada Trust LD Not compounded Annually no 500 0.850 0.900 1.000 1.050 1.500 -
TD Canada Trust LD Annually At maturity no 500 0.850 0.900 1.000 1.050 1.500 -
Laurentian Bank Canada LD Not compounded Semi-annually no 500 0.600 0.750 0.900 1.050 1.250 -
Laurentian Bank Canada LD Not compounded Quarterly no 500 0.600 0.750 0.900 1.050 1.250 -
Empire Life LD Annually Periodically yes 50,000 0.775 0.775 0.875 1.025 1.575 1.525
CIBC LD Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Empire Life LD Annually Monthly yes 100,000 0.650 0.650 0.750 0.900 1.450 1.400
Empire Life LD Annually Periodically yes 10,000 0.650 0.650 0.750 0.900 1.450 1.400
Manulife Investments LD Not compounded Annually yes 2,500 0.400 0.450 0.700 0.850 1.000 1.100
Manulife Investments LD Annually At maturity yes 2,500 0.400 0.450 0.700 0.850 1.000 1.100
Manulife Investments GT Annually Periodically yes 2,500 0.400 0.450 0.700 0.850 1.000 1.100
Canada Life GT Annually Periodically yes 75,000 0.400 0.450 0.650 1.000 1.150 1.300
Great-West Life LD Not compounded Annually yes 50,000 0.400 0.450 0.650 1.000 1.150 1.300
Great-West Life LD Annually At maturity yes 50,000 0.400 0.450 0.650 1.000 1.150 1.300
Laurentian Bank Canada LD Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 -
London Life GT Annually Periodically yes 100,000 0.400 0.450 0.650 1.000 1.150 -
Sun Life - Insurance LD Annually Annually yes 5,000 0.600 0.600 0.650 1.150 1.450 1.450
Sun Life - Trust LD Annually Annually yes 5,000 0.600 0.600 0.650 1.150 1.450 1.450
Empire Life LD Annually Monthly yes 50,000 0.525 0.525 0.625 0.775 1.325 1.275
Great-West Life LD Not compounded Monthly yes 50,000 0.300 0.350 0.550 0.900 1.050 1.200
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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 June 27, 2016

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

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