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
Home Trust Company LD Not compounded Semi-annually no 10,000 1.950 2.100 2.250 2.400 2.600 -
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 2.000 2.350 2.400 2.600 2.900 -
Home Trust Company LD Not compounded Quarterly no 10,000 1.950 2.100 2.250 2.400 2.600 -
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 2.000 2.350 2.400 2.600 2.900 -
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 1,000 0.750 0.950 1.050 1.400 1.700 1.900
Canada Life GT Annually Periodically yes 75,000 1.000 1.200 1.300 1.650 1.950 2.150
Canada Life GT Annually Periodically yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Desjardins Fin. Security GT Annually Periodically yes 500 0.850 1.050 1.450 1.700 1.950 1.950
Empire Life LD Annually Periodically yes 100,000 1.250 1.450 1.650 1.950 2.150 2.150
Empire Life LD Annually Periodically yes 50,000 1.125 1.325 1.525 1.825 2.025 2.025
Empire Life LD Annually Periodically yes 10,000 1.000 1.200 1.400 1.700 1.900 1.900
London Life GT Annually Periodically yes 10,000 0.250 0.450 0.550 0.900 1.200 -
London Life GT Annually Periodically yes 25,000 0.875 1.075 1.175 1.525 1.825 -
London Life GT Annually Periodically yes 100,000 1.000 1.200 1.300 1.650 1.950 -
Manulife Investments GT Annually Periodically yes 2,500 0.750 1.200 1.300 1.550 1.800 1.850
Standard Life GT Annually Periodically yes 100,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life GT Annually Periodically yes 500,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life GT Annually Periodically yes 10,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life GT Annually Periodically yes 250,000 1.150 1.300 1.450 1.700 1.950 2.000
Standard Life GT Annually Periodically yes 50,000 1.150 1.300 1.450 1.700 1.950 2.000
Empire Life LD Annually Monthly yes 50,000 0.875 1.075 1.275 1.575 1.775 1.775
Empire Life LD Annually Monthly yes 10,000 0.750 0.950 1.150 1.450 1.650 1.650
Empire Life LD Annually Monthly yes 100,000 1.000 1.200 1.400 1.700 1.900 1.900
Great-West Life LD Not compounded Monthly yes 2,000 0.250 0.450 0.550 0.900 1.200 1.400
Great-West Life LD Not compounded Monthly yes 50,000 0.500 0.700 0.800 1.150 1.450 1.650
Great-West Life LD Not compounded Monthly yes 25,000 0.375 0.575 0.675 1.025 1.325 1.525
Home Trust Company LD Not compounded Monthly no 10,000 1.950 2.100 2.250 2.400 2.600 -
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 2.000 2.350 2.400 2.600 2.900 -
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 -
Great-West Life LD Annually At maturity yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Great-West Life LD Annually At maturity yes 25,000 0.875 1.075 1.175 1.525 1.825 2.025
Great-West Life LD Annually At maturity yes 2,000 0.750 0.950 1.050 1.400 1.700 1.900
Home Trust Company LD Annually At maturity no 10,000 1.950 2.100 2.250 2.400 2.600 -
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 0.750 1.200 1.300 1.550 1.800 1.850
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 2.000 2.350 2.400 2.600 2.900 -
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 2.000 2.150 2.250 2.460 -
Effort Trust LD Annually Annually no 10,000 1.900 2.150 2.300 2.350 2.600 -
Great-West Life LD Not compounded Annually yes 500 0.750 0.950 1.050 1.400 1.700 1.900
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 Not compounded Annually yes 50,000 1.000 1.200 1.300 1.650 1.950 2.150
Home Trust Company LD Not compounded Annually no 10,000 1.950 2.100 2.250 2.400 2.600 -
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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 26, 2014

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

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