Savings Rates | RRIFs: 1 to 6 years

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Sorted by: 4 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 2.000 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.000 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Monthly no 10,000 2.000 2.350 2.400 2.600 2.800 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.000 2.350 2.400 2.600 2.800 -
Oaken Financial LD Annually At maturity no 10,000 2.000 2.350 2.400 2.600 2.800 -
Effort Trust LD Annually Annually no 1,000 1.850 2.100 2.250 2.350 2.500 -
Home Trust Company LD Not compounded Annually no 10,000 1.850 2.050 2.250 2.350 2.550 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.850 2.050 2.250 2.350 2.550 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.850 2.050 2.250 2.350 2.550 -
Home Trust Company LD Not compounded Monthly no 10,000 1.850 2.050 2.250 2.350 2.550 -
Home Trust Company LD Annually At maturity no 10,000 1.850 2.050 2.250 2.350 2.550 -
Parama Credit Union LD Not compounded Annually no 1,000 1.650 1.900 2.150 2.350 2.550 -
B2B Bank LD Annually Annually no 1,000 1.500 1.950 2.150 2.260 2.500 -
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 60,000 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 -
Empire Life LD Annually Periodically yes 100,000 1.250 1.450 1.650 1.850 2.150 2.150
Desjardins Fin. Security GT Annually Periodically yes 500 0.850 1.100 1.500 1.800 2.050 2.050
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 -
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 100,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life GT Annually Periodically yes 500,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life GT Annually Periodically yes 10,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life GT Annually Periodically yes 250,000 1.200 1.350 1.500 1.750 2.000 2.025
Standard Life GT Annually Periodically yes 50,000 1.200 1.350 1.500 1.750 2.000 2.025
Sun Life - Insurance LD Annually Annually yes 5,000 1.150 1.200 1.200 1.750 2.000 2.000
Empire Life LD Annually Periodically yes 50,000 1.125 1.325 1.525 1.725 2.025 2.025
Canada Life GT Annually Periodically yes 75,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life LD Not compounded Annually yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life LD Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
London Life GT Annually Periodically yes 100,000 1.000 1.200 1.300 1.650 1.950 -
BMO Bank of Montreal LD Annually Periodically no 500 1.000 1.150 1.350 1.600 1.950 1.950
Empire Life LD Annually Monthly yes 100,000 1.000 1.200 1.400 1.600 1.900 1.900
Empire Life LD Annually Periodically yes 10,000 1.000 1.200 1.400 1.600 1.900 1.900
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 1.250 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 -
Canada Life GT Annually Periodically yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life LD Not compounded Annually yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life LD Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
London Life GT Annually Periodically yes 25,000 0.875 1.075 1.175 1.525 1.825 -
Manulife Investments LD Not compounded Annually yes 2,500 0.750 1.150 1.250 1.500 1.700 1.750
Manulife Investments GT Annually Periodically yes 2,500 0.750 1.150 1.250 1.500 1.700 1.750
Manulife Investments LD Annually At maturity yes 2,500 0.750 1.150 1.250 1.500 1.700 1.750
National Bank LD Annually At maturity yes 500 0.900 1.150 1.250 1.500 1.750 1.950
Empire Life LD Annually Monthly yes 50,000 0.875 1.075 1.275 1.475 1.775 1.775
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.250 1.400 1.750 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 September 16, 2014

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

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