2013 Best RRSP Interest Rates

RRSP Comparison Tables

By Ivon T Hughes

The RRSP Interest rates table below provides the Best RRSP Interest Rates in Canada.

The 2013 RRSP table shows interest rates paid by the major Canadian financial institutions for Registered Retirement Savings Plans (RRSPs).

RRSP Interest Rates

Best Interest rates as of March 14, 2013

Institution Minimum
Deposit
Term In Years
1 2 3 4 5
AGF Trust 5,000 1.450 1.950 2.050 2.150 2.400
ATB Financial 500 1.350 2.000 1.650 1.650 2.000
AcceleRate Financial 500 2.050 2.250 2.450 2.600 2.850
Achieva Financial 500 1.950 2.150 2.300 2.450 2.700
Alterna Bank 500 1.450 1.750 1.950 2.000 2.300
Alterna Savings 500 1.450 1.750 1.950 2.000 2.300
B2B Bank 1,000 1.450 1.950 2.050 2.150 2.400
BMO Bank of Montreal 500 1.050 1.200 1.350 1.600 1.950
Bank of Nova Scotia 500 .900 1.100 1.250 1.400 1.750
Bk Nova Scotia Mtg. Corp 500 .900 1.100 1.250 1.400 1.750
CIBC 500 .900 1.100 1.250 1.400 1.750
Caisses Desjardins 500 .900 1.200 1.250 1.600 1.750
Canada Life 1,000 .900 1.150 1.300 1.350 1.400
Canadian Direct Fin'l 500 1.650 2.125 2.150 2.250 2.350
Canadian Western Bank 500 1.650 2.000 2.050 2.150 2.350
Canadian Western Trust 5,000 1.250 1.350 1.600 1.850 2.200
Coast Capital Savings 1,000 1.650 1.850 2.000 2.150 2.300
Community Trust 1,000 1.400 1.850 2.000 2.100 2.450
Concentra Financial 1,000 1.150 1.300 1.400 1.600 2.000
DUCA Financial Services 500 1.400 1.700 1.950 2.000 2.250
Desjardins Fin. Security 500 1.000 .950 1.250 1.500 1.750
Effort Trust 1,000 1.700 1.950 2.100 2.200 2.350
Empire Life 500 1.250 1.500 1.750 1.750 1.875
Entegra Credit Union 1,000 1.950 2.150 2.350 2.500 2.750
Equitable Life 500 .500 1.050 1.200 1.350 1.400
Fiducie Desjardins 1,000 - 1.200 1.250 1.600 1.750
First Calgary Financial 500 1.250 1.650 1.700 1.750 2.000
FirstOntario Credit Un. 500 1.600 1.650 1.900 2.100 2.300
Foresters 1,000 .050 .150 .450 .700 .850
Great-West Life 500 .900 1.150 1.300 1.350 1.400
HSBC Bank Canada 500 1.200 1.300 1.400 1.600 2.050
Home Trust Company 1,000 1.700 1.950 2.050 2.250 2.400
ICICI Bank Canada 1,000 1.650 2.400 2.400 2.650 3.150
ING Direct 1 1.350 1.750 2.000 2.000 2.250
Industrial Alliance 1,000 .900 1.550 1.900 1.950 2.050
Laurentian Bank Canada 500 .900 1.200 1.250 1.600 1.750
Laurentienne Trust 500 - 1.200 1.250 1.600 1.750
London Life 1,000 .900 1.150 1.300 1.350 1.400
MCAN Mortgage Corp. 5,000 1.600 1.850 1.900 1.650 1.950
Manulife Bank 2,500 1.400 1.650 1.850 2.100 2.300
Manulife Investments 2,500 1.400 1.650 1.800 1.850 1.850
Meridian Credit Union 500 1.500 1.600 1.750 1.900 2.200
MonCana Bank of Canada 5,000 1.700 1.700 1.700 1.800 1.900
National Bank 500 .900 1.200 1.250 1.600 1.750
Ontario Civil Service CU 1,000 1.000 1.100 1.350 1.600 1.900
Outlook Financial 1,000 2.050 2.250 2.450 2.600 2.850
PACE Savings & Credit Un 1,000 1.200 1.500 1.600 1.750 2.100
Pacific & Western Bank 1,000 1.630 1.850 1.950 2.150 2.350
Parama Credit Union 1,000 1.700 1.850 2.100 2.250 2.400
Peace Hills Trust 1,000 1.450 1.850 2.050 2.100 2.250
Peoples Trust 5,000 1.000 1.500 1.750 1.750 2.000
President's Choice Fin'l 100 1.250 1.550 1.750 2.100 2.200
Royal Bank of Canada 500 1.350 1.300 1.800 1.600 2.250
Servus Credit Union 500 1.150 1.300 1.400 1.600 2.000
Standard Life 1,000 1.400 1.550 1.700 1.875 2.050
Steinbach Credit Union 500 1.800 2.000 2.200 2.350 2.600
Sun Life - Insurance 1,000 1.100 1.400 1.550 1.700 1.850
Sun Life - Trust 1,000 1.450 1.700 1.850 2.050 2.300
TD Canada Trust 500 1.000 1.100 1.350 1.600 1.900
Windsor Family C.U. 500 .900 1.300 1.400 1.600 2.100
Your Neighbourhood C.U. 500 1.400 1.650 1.800 2.000 2.200
Ivon T Hughes

About the Author

Ivon T. Hughes

Ivon T Hughes is a leading expert in life annuities in Canada. His website LifeAnnuities.com is a recognized authority on annuities. He's also an established insurance and investment broker, through The Hughes Trustco Group since 1972. Recently, he's been redefining how annuities are sold in Canada.

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