Savings Rates | RRIFs: 1 to 6 years

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Sorted by: Type 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
B2B Bank LD Annually Annually no 1,000 2.220 2.640 2.800 2.850 3.120 -
BMO Bank of Montreal LD Annually Periodically no 500 0.850 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
CIBC LD Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Effort Trust Company LD Annually Annually no 1,000 2.350 2.600 2.600 2.600 2.600 -
Empire Life LD Annually Monthly yes 10,000 1.200 1.550 1.700 1.850 2.300 1.800
Empire Life LD Annually Monthly yes 50,000 1.325 1.675 1.825 1.975 2.425 1.925
Empire Life LD Annually Monthly yes 100,000 1.450 1.800 1.950 2.100 2.550 2.050
Empire Life LD Annually Periodically yes 100,000 1.700 2.050 2.200 2.350 2.800 2.300
Empire Life LD Annually Periodically yes 10,000 1.450 1.800 1.950 2.100 2.550 2.050
Empire Life LD Annually Periodically yes 50,000 1.575 1.925 2.075 2.225 2.675 2.175
Great-West Life LD Not compounded Annually yes 25,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life LD Annually At maturity yes 50,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life LD Annually At maturity yes 25,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life LD Annually At maturity yes 2,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life LD Not compounded Annually yes 500 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life LD Not compounded Monthly yes 25,000 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life LD Not compounded Monthly yes 2,000 1.450 1.500 1.700 1.750 1.500 1.650
Great-West Life LD Not compounded Annually yes 50,000 1.550 1.600 1.800 1.850 1.600 1.750
Great-West Life LD Not compounded Monthly yes 50,000 1.450 1.500 1.700 1.750 1.500 1.650
Laurentian Bank Canada LD Not compounded Monthly no 500 0.900 1.100 1.150 1.300 1.600 -
Laurentian Bank Canada LD Not compounded Annually no 500 0.900 1.100 1.150 1.300 1.600 -
Laurentian Bank Canada LD Annually At maturity no 500 0.900 1.100 1.150 1.300 1.600 -
Luminus Financial LD Annually At maturity no 500 2.300 2.450 2.300 2.350 2.400 -
Manulife Investments LD Not compounded Annually yes 2,500 1.600 1.650 1.700 1.700 1.800 1.800
Manulife Investments LD Annually At maturity yes 2,500 1.600 1.650 1.700 1.700 1.800 1.800
National Bank LD Annually At maturity yes 500 0.900 1.100 1.150 1.300 1.600 1.500
Oaken Financial LD Not compounded Monthly no 10,000 2.750 3.100 3.150 3.200 3.250 -
Oaken Financial LD Not compounded Annually no 10,000 2.750 3.100 3.150 3.200 3.250 -
Oaken Financial LD Not compounded Semi-annually no 10,000 2.750 3.100 3.150 3.200 3.250 -
Oaken Financial LD Not compounded Quarterly no 10,000 2.750 3.100 3.150 3.200 3.250 -
Oaken Financial LD Annually At maturity no 10,000 2.750 3.100 3.150 3.200 3.250 -
PACE Savings & Credit Un LD Not compounded Annually no 1,000 1.250 1.350 1.550 1.750 2.000 -
Parama Credit Union LD Not compounded Annually no 1,000 2.000 2.100 2.200 2.350 2.600 -
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 10,000 1.000 1.100 1.150 1.200 1.700 -
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 60,000 1.400 1.500 1.550 1.900 2.000 -
Rapport Credit Union LD Not compounded Annually no 1,000 1.000 1.100 1.150 1.200 1.700 -
Rapport Credit Union LD Not compounded Annually no 100,000 1.400 1.500 1.550 1.900 2.000 -
Rapport Credit Union LD Not compounded Annually no 40,000 1.250 1.350 1.400 1.450 1.900 -
Resurrection Credit Un. LD Not compounded Annually no 5,000 2.750 2.000 2.150 2.250 2.550 -
Sun Life - Insurance LD Annually Annually yes 5,000 1.800 1.750 1.800 2.150 2.500 2.500
Sun Life - Trust LD Annually Annually no 5,000 1.950 1.900 2.000 2.300 2.600 2.750
Sun Life - Trust LD Annually Annually yes 5,000 1.750 1.650 1.650 2.100 2.450 2.500
TD Canada Trust LD Annually At maturity no 500 1.000 1.250 1.350 1.500 1.600 -
TD Canada Trust LD Not compounded Annually no 500 1.000 1.250 1.350 1.500 1.600 -
Canada Life GT Annually Periodically yes 1,000 1.550 1.600 1.800 1.850 1.600 1.750
Canada Life GT Annually Periodically yes 25,000 1.550 1.600 1.800 1.850 1.600 1.750
Canada Life GT Annually Periodically yes 75,000 1.550 1.600 1.800 1.850 1.600 1.750
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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 21, 2018

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

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