Savings Rates | RRIFs: 1 to 6 years

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Sorted by: Payment Frequency 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
Desjardins Fin. Security LD Not compounded Semi-annually yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
Home Trust Company LD Not compounded Semi-annually no 10,000 1.950 2.050 2.150 2.300 2.500 -
Laurentian Bank Canada LD Not compounded Semi-annually no 500 0.600 0.850 1.000 1.150 1.500 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.400 2.600 2.650 2.850 3.050 -
Desjardins Fin. Security LD Not compounded Quarterly yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
Home Trust Company LD Not compounded Quarterly no 10,000 1.950 2.050 2.150 2.300 2.500 -
Laurentian Bank Canada LD Not compounded Quarterly no 500 0.500 0.730 0.880 1.030 1.380 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.400 2.600 2.650 2.850 3.050 -
BMO Bank of Montreal LD Annually Periodically no 500 1.000 1.150 1.350 1.600 1.950 1.950
Canada Life GT Annually Periodically yes 75,000 1.000 1.100 1.200 1.500 1.700 1.900
Canada Life GT Annually Periodically yes 1,000 0.750 0.850 0.950 1.250 1.450 1.650
Canada Life GT Annually Periodically yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Desjardins Fin. Security GT Annually Periodically yes 500 0.850 1.000 1.450 1.700 1.950 1.950
Empire Life LD Annually Periodically yes 100,000 1.250 1.350 1.500 1.750 2.000 2.100
Empire Life LD Annually Periodically yes 50,000 1.125 1.225 1.375 1.625 1.875 1.975
Empire Life LD Annually Periodically yes 10,000 1.000 1.100 1.250 1.500 1.750 1.850
London Life GT Annually Periodically yes 100,000 1.000 1.100 1.200 1.500 1.700 -
London Life GT Annually Periodically yes 25,000 0.875 0.975 1.075 1.375 1.575 -
London Life GT Annually Periodically yes 10,000 0.250 0.350 0.450 0.750 0.950 -
Manulife Investments GT Annually Periodically yes 2,500 0.900 1.100 1.250 1.450 1.550 1.600
Standard Life GT Annually Periodically yes 250,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 500,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 100,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 50,000 1.125 1.275 1.400 1.475 1.550 1.625
Standard Life GT Annually Periodically yes 10,000 1.125 1.275 1.400 1.475 1.550 1.625
Desjardins Fin. Security LD Not compounded Monthly yes 10,000 0.700 0.850 1.300 1.550 1.800 1.800
Empire Life LD Annually Monthly yes 100,000 1.000 1.100 1.250 1.500 1.750 1.850
Empire Life LD Annually Monthly yes 50,000 0.875 0.975 1.125 1.375 1.625 1.725
Empire Life LD Annually Monthly yes 10,000 0.750 0.850 1.000 1.250 1.500 1.600
Great-West Life LD Not compounded Monthly yes 2,000 0.250 0.350 0.450 0.750 0.950 1.150
Great-West Life LD Not compounded Monthly yes 25,000 0.375 0.475 0.575 0.875 1.075 1.275
Great-West Life LD Not compounded Monthly yes 50,000 0.500 0.600 0.700 1.000 1.200 1.400
Home Trust Company LD Not compounded Monthly no 10,000 1.950 2.050 2.150 2.300 2.500 -
Laurentian Bank Canada LD Not compounded Monthly no 500 0.500 0.600 0.750 0.900 1.250 -
Oaken Financial LD Not compounded Monthly no 10,000 2.400 2.600 2.650 2.850 3.050 -
Bk Nova Scotia Mtg. Corp LD Annually At maturity no 1,000 0.900 1.100 1.250 1.400 1.750 1.750
CIBC LD Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
Desjardins Fin. Security LD Annually At maturity yes 500 0.850 1.000 1.450 1.700 1.950 1.950
Great-West Life LD Annually At maturity yes 2,000 0.750 0.850 0.950 1.250 1.450 1.650
Great-West Life LD Annually At maturity yes 50,000 1.000 1.100 1.200 1.500 1.700 1.900
Great-West Life LD Annually At maturity yes 25,000 0.875 0.975 1.075 1.375 1.575 1.775
Home Trust Company LD Annually At maturity no 10,000 1.950 2.050 2.150 2.300 2.500 -
Laurentian Bank Canada LD Annually At maturity no 500 0.850 1.100 1.250 1.400 1.750 -
Manulife Investments LD Annually At maturity yes 2,500 0.900 1.100 1.250 1.450 1.550 1.600
National Bank LD Annually At maturity yes 500 0.900 1.150 1.250 1.500 1.750 1.950
Oaken Financial LD Annually At maturity no 10,000 2.400 2.600 2.650 2.850 3.050 -
TD Canada Trust LD Annually At maturity no 500 1.300 1.350 1.400 1.600 2.000 -
Windsor Family C.U. LD Annually At maturity no 500 0.900 1.100 1.250 1.400 1.750 -
B2B Bank LD Annually Annually no 1,000 1.500 1.900 2.050 2.200 2.450 -
Desjardins Fin. Security LD Not compounded Annually yes 500 0.850 1.000 1.450 1.700 1.950 1.950
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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 October 31, 2014

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

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