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 Quarterly no 10,000 1.950 2.100 2.150 2.300 2.500 -
Oaken Financial LD Not compounded Semi-annually no 10,000 1.950 2.100 2.150 2.300 2.500 -
Oaken Financial LD Not compounded Annually no 10,000 1.950 2.100 2.150 2.300 2.500 -
Oaken Financial LD Not compounded Monthly no 10,000 1.950 2.100 2.150 2.300 2.500 -
Oaken Financial LD Annually At maturity no 10,000 1.950 2.100 2.150 2.300 2.500 -
Parama Credit Union LD Not compounded Annually no 1,000 1.600 1.750 1.900 2.050 2.200 -
Effort Trust LD Annually Annually no 1,000 1.450 1.700 1.800 1.950 2.100 -
B2B Bank LD Annually Annually no 1,000 1.300 1.770 1.860 1.910 2.060 -
Home Trust Company LD Annually At maturity no 10,000 1.450 1.600 1.700 1.800 2.050 -
Home Trust Company LD Not compounded Monthly no 10,000 1.450 1.600 1.700 1.800 2.050 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.450 1.600 1.700 1.800 2.050 -
Home Trust Company LD Not compounded Annually no 10,000 1.450 1.600 1.700 1.800 2.050 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.450 1.600 1.700 1.800 2.050 -
Sun Life - Trust LD Annually Annually no 5,000 1.050 1.250 1.550 1.700 1.950 1.950
Rapport Credit Union LD Not compounded Annually no 60,000 1.400 1.500 1.550 1.600 2.250 -
Rapport Credit Union LD Not compounded Annually no 100,000 1.400 1.500 1.550 1.600 2.250 -
Empire Life LD Annually Periodically yes 100,000 1.000 1.250 1.350 1.550 1.850 1.850
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 10,000 1.000 1.350 1.400 1.450 1.900 -
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 40,000 1.250 1.350 1.400 1.450 2.100 -
Empire Life LD Annually Periodically yes 50,000 0.875 1.125 1.225 1.425 1.725 1.725
Sun Life - Insurance LD Annually Annually yes 5,000 0.600 0.600 0.700 1.400 1.550 1.550
Sun Life - Trust LD Annually Annually yes 5,000 0.600 0.600 0.700 1.400 1.550 1.550
National Bank LD Annually At maturity yes 500 0.900 1.100 1.200 1.350 1.500 1.750
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.150 1.300 1.500 1.500
Empire Life LD Annually Monthly yes 100,000 0.750 1.000 1.100 1.300 1.600 1.600
Empire Life LD Annually Periodically yes 10,000 0.750 1.000 1.100 1.300 1.600 1.600
Laurentian Bank Canada LD Annually At maturity no 500 0.850 1.000 1.150 1.300 1.500 -
Laurentian Bank Canada LD Not compounded Annually no 500 0.850 1.000 1.150 1.300 1.500 -
BMO Bank of Montreal LD Annually Periodically no 500 0.850 1.050 1.150 1.250 1.500 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 -
Empire Life LD Annually Monthly yes 50,000 0.625 0.875 0.975 1.175 1.475 1.475
WFCU Credit Union LD Annually At maturity no 500 0.850 0.950 1.050 1.150 1.400 -
Manulife Investments GT Annually Periodically yes 2,500 0.400 0.550 0.800 1.100 1.350 1.250
Manulife Investments LD Annually At maturity yes 2,500 0.400 0.550 0.800 1.100 1.350 1.250
Manulife Investments LD Not compounded Annually yes 2,500 0.400 0.550 0.800 1.100 1.350 1.250
CIBC LD Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Empire Life LD Annually Monthly yes 10,000 0.500 0.750 0.850 1.050 1.350 1.350
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 -
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 -
Canada Life GT Annually Periodically yes 75,000 0.500 0.600 0.700 1.000 1.250 1.400
Great-West Life LD Annually At maturity yes 50,000 0.500 0.600 0.700 1.000 1.250 1.400
Great-West Life LD Not compounded Annually yes 50,000 0.500 0.600 0.700 1.000 1.250 1.400
London Life GT Annually Periodically yes 100,000 0.500 0.600 0.700 1.000 1.250 -
Great-West Life LD Not compounded Monthly yes 50,000 0.400 0.500 0.600 0.900 1.150 1.300
Canada Life GT Annually Periodically yes 25,000 0.375 0.475 0.575 0.875 1.125 1.275
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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 February 12, 2016

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

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