Savings Rates | RRIFs: 1 to 6 years

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Sorted by: Min. Deposit 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
Empire Life LD Annually Periodically yes 100,000 0.850 0.850 0.900 1.100 1.550 1.400
Empire Life LD Annually Monthly yes 100,000 0.600 0.600 0.650 0.850 1.300 1.150
London Life GT Annually Periodically yes 100,000 0.400 0.450 0.650 0.800 0.950 -
Rapport Credit Union LD Not compounded Annually no 100,000 1.400 1.500 1.550 1.600 2.250 -
Canada Life GT Annually Periodically yes 75,000 0.400 0.450 0.650 0.800 0.950 1.100
Rapport Credit Union LD Not compounded Annually no 60,000 1.400 1.500 1.550 1.600 2.250 -
Empire Life LD Annually Periodically yes 50,000 0.725 0.725 0.775 0.975 1.425 1.275
Empire Life LD Annually Monthly yes 50,000 0.475 0.475 0.525 0.725 1.175 1.025
Great-West Life LD Not compounded Monthly yes 50,000 0.300 0.350 0.550 0.700 0.850 1.000
Great-West Life LD Not compounded Annually yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Great-West Life LD Annually At maturity yes 50,000 0.400 0.450 0.650 0.800 0.950 1.100
Rapport Credit Union LD Not compounded Annually no 40,000 1.250 1.350 1.400 1.450 2.100 -
Canada Life GT Annually Periodically yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life LD Not compounded Monthly yes 25,000 0.175 0.225 0.425 0.575 0.725 0.875
Great-West Life LD Annually At maturity yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
Great-West Life LD Not compounded Annually yes 25,000 0.275 0.325 0.525 0.675 0.825 0.975
London Life GT Annually Periodically yes 25,000 0.275 0.325 0.525 0.675 0.825 -
Rapport Credit Union LD Not compounded Annually no 20,000 1.250 1.350 1.400 1.450 1.900 -
Empire Life LD Annually Periodically yes 10,000 0.600 0.600 0.650 0.850 1.300 1.150
Empire Life LD Annually Monthly yes 10,000 0.350 0.350 0.400 0.600 1.050 0.900
Home Trust Company LD Annually At maturity no 10,000 1.450 1.600 1.700 1.800 1.900 -
Home Trust Company LD Not compounded Monthly no 10,000 1.450 1.600 1.700 1.800 1.900 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.450 1.600 1.700 1.800 1.900 -
Home Trust Company LD Not compounded Annually no 10,000 1.450 1.600 1.700 1.800 1.900 -
Home Trust Company LD Not compounded Semi-annually no 10,000 1.450 1.600 1.700 1.800 1.900 -
London Life GT Annually Periodically yes 10,000 0.050 0.050 0.050 0.050 0.200 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.050 2.400 2.500 2.600 2.750 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.050 2.400 2.500 2.600 2.750 -
Oaken Financial LD Not compounded Annually no 10,000 2.050 2.400 2.500 2.600 2.750 -
Oaken Financial LD Not compounded Monthly no 10,000 2.050 2.400 2.500 2.600 2.750 -
Oaken Financial LD Annually At maturity no 10,000 2.050 2.400 2.500 2.600 2.750 -
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 5,000 1.000 1.100 1.150 1.200 1.700 -
Sun Life - Insurance LD Annually Annually yes 5,000 0.600 0.600 0.650 1.050 1.350 1.350
Sun Life - Trust LD Annually Annually no 5,000 0.900 1.100 1.150 1.350 1.600 1.600
Sun Life - Trust LD Annually Annually yes 5,000 0.600 0.600 0.650 1.050 1.350 1.350
Manulife Investments GT Annually Periodically yes 2,500 0.400 0.450 0.700 0.800 0.950 1.050
Manulife Investments LD Annually At maturity yes 2,500 0.400 0.450 0.700 0.800 0.950 1.050
Manulife Investments LD Not compounded Annually yes 2,500 0.400 0.450 0.700 0.800 0.950 1.050
Great-West Life LD Annually At maturity yes 2,000 0.150 0.200 0.400 0.550 0.700 0.850
Great-West Life LD Not compounded Monthly yes 2,000 0.050 0.100 0.300 0.450 0.600 0.750
B2B Bank LD Annually Annually no 1,000 1.300 1.650 1.650 1.810 1.910 -
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.150 1.300 1.500 1.500
Canada Life GT Annually Periodically yes 1,000 0.150 0.200 0.400 0.550 0.700 0.850
Effort Trust LD Annually Annually no 1,000 1.500 1.650 1.800 1.850 2.000 -
PACE Savings & Credit Un LD Not compounded Annually no 1,000 1.000 1.200 1.400 1.500 1.600 -
Parama Credit Union LD Not compounded Annually no 1,000 1.600 1.750 1.900 2.050 2.200 -
Rapport Credit Union LD Not compounded Annually no 1,000 1.000 1.100 1.150 1.200 1.700 -
BMO Bank of Montreal LD Annually Periodically no 500 0.850 1.050 1.150 1.250 1.500 1.500
CIBC LD Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
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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 July 23, 2016

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

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