Savings Rates | RRIFs: 1 to 6 years

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Sorted by: 6 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
Sun Life - Trust LD Annually Annually no 5,000 1.150 1.250 1.350 1.550 1.950 1.950
National Bank LD Annually At maturity yes 500 0.650 0.950 1.050 1.250 1.450 1.750
Sun Life - Insurance LD Annually Annually yes 5,000 0.650 0.700 0.750 1.650 1.650 1.650
Sun Life - Trust LD Annually Annually yes 5,000 0.650 0.700 0.750 1.250 1.650 1.650
BMO Bank of Montreal LD Annually Periodically no 500 1.000 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
Empire Life LD Annually Periodically yes 100,000 0.875 0.875 1.000 1.125 1.375 1.500
Empire Life LD Annually Periodically yes 50,000 0.750 0.750 0.875 1.000 1.250 1.375
Canada Life GT Annually Periodically yes 75,000 0.800 0.800 0.800 0.850 1.050 1.250
Empire Life LD Annually Monthly yes 100,000 0.625 0.625 0.750 0.875 1.125 1.250
Empire Life LD Annually Periodically yes 10,000 0.625 0.625 0.750 0.875 1.125 1.250
Great-West Life LD Not compounded Annually yes 50,000 0.800 0.800 0.800 0.850 1.050 1.250
Great-West Life LD Annually At maturity yes 50,000 0.800 0.800 0.800 0.850 1.050 1.250
Canada Life GT Annually Periodically yes 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Empire Life LD Annually Monthly yes 50,000 0.500 0.500 0.625 0.750 1.000 1.125
Great-West Life LD Not compounded Annually yes 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Great-West Life LD Annually At maturity yes 25,000 0.675 0.675 0.675 0.725 0.925 1.125
Canada Life GT Annually Periodically yes 1,000 0.550 0.550 0.550 0.600 0.800 1.000
Empire Life LD Annually Monthly yes 10,000 0.375 0.375 0.500 0.625 0.875 1.000
Great-West Life LD Not compounded Annually yes 500 0.550 0.550 0.550 0.600 0.800 1.000
Great-West Life LD Annually At maturity yes 2,000 0.550 0.550 0.550 0.600 0.800 1.000
Manulife Investments LD Not compounded Annually yes 2,500 0.400 0.500 0.550 0.800 1.000 1.000
Manulife Investments LD Annually At maturity yes 2,500 0.400 0.500 0.550 0.800 1.000 1.000
Manulife Investments GT Annually Periodically yes 2,500 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life GT Annually Periodically yes 100,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life GT Annually Periodically yes 250,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life GT Annually Periodically yes 500,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life GT Annually Periodically yes 50,000 0.400 0.500 0.550 0.800 1.000 1.000
Standard Life GT Annually Periodically yes 10,000 0.400 0.500 0.550 0.800 1.000 1.000
Great-West Life LD Not compounded Monthly yes 50,000 0.300 0.300 0.300 0.350 0.550 0.750
Great-West Life LD Not compounded Monthly yes 25,000 0.175 0.175 0.175 0.225 0.425 0.625
Great-West Life LD Not compounded Monthly yes 2,000 0.050 0.050 0.050 0.100 0.300 0.500
B2B Bank LD Annually Annually no 1,000 1.450 1.750 1.860 1.920 2.160 -
CIBC LD Annually At maturity no 500 0.650 0.750 0.950 1.150 1.400 -
Effort Trust LD Annually Annually no 1,000 1.500 1.825 1.850 1.900 2.000 -
Home Trust Company LD Not compounded Annually no 10,000 1.610 1.810 1.870 1.930 2.110 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.610 1.810 1.870 1.930 2.110 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.610 1.810 1.870 1.930 2.110 -
Home Trust Company LD Not compounded Monthly no 10,000 1.610 1.810 1.870 1.930 2.110 -
Home Trust Company LD Annually At maturity no 10,000 1.610 1.810 1.870 1.930 2.110 -
Laurentian Bank Canada LD Not compounded Annually no 500 0.600 0.850 1.000 1.150 1.500 -
Laurentian Bank Canada LD Not compounded Semi-annually no 500 0.350 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada LD Not compounded Quarterly no 500 0.350 0.600 0.750 0.900 1.250 -
Laurentian Bank Canada LD Not compounded Monthly no 500 0.250 0.350 0.500 0.650 1.000 -
Laurentian Bank Canada LD Annually At maturity no 500 0.600 0.850 1.000 1.150 1.500 -
London Life GT Annually Periodically yes 10,000 0.050 0.050 0.050 0.100 0.300 -
London Life GT Annually Periodically yes 25,000 0.675 0.675 0.675 0.725 0.925 -
London Life GT Annually Periodically yes 100,000 0.800 0.800 0.800 0.850 1.050 -
Oaken Financial LD Annually At maturity no 10,000 1.900 2.100 2.150 2.200 2.300 -
Oaken Financial LD Not compounded Annually no 10,000 1.900 2.100 2.150 2.200 2.300 -
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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 April 25, 2015

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

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