2016 Best RRSP Interest Rates in Canada

RRSP interest rates as of January 20, 2016

Company Years
1 2 3 4 5
ATB Financial 1.1000 1.2500 1.3000 1.4000 1.6000
AcceleRate Financial 2.0000 2.1000 2.2000 2.4500 2.5000
Achieva Financial 2.0000 2.1000 2.2000 2.3500 2.5000
Alterna Bank 1.0000 1.2000 1.4000 1.5000 1.6000
Alterna Savings 1.0000 1.2000 1.4000 1.5000 1.6000
B2B Bank 1.3000 1.7600 1.8100 1.9000 2.0500
BMO Bank of Montreal .8500 1.0500 1.1500 1.2500 1.5000
Bank of Nova Scotia .9000 1.1000 1.1500 1.3000 1.5000
Bk Nova Scotia Mtg. Corp .9000 1.1000 1.1500 1.3000 1.5000
CIBC .5500 .6500 .8500 1.0500 1.2500
Caisses Desjardins .8500 1.0000 1.0500 1.2000 1.5000
Canada Life .5500 .5500 .5500 .8500 1.1500
Canadian Direct Fin'l 1.7200 2.0200 2.1200 2.2500 2.5000
Canadian Western Bank 1.4700 1.7700 1.8700 2.0000 2.2500
Canadian Western Trust 1.4700 1.7700 1.8700 2.0000 2.2500
Coast Capital Savings 1.2000 1.3000 1.5000 1.6000 1.8500
Community Trust 1.5000 1.7000 1.8000 2.0000 2.2000
Comtech Credit Union 1.8000 1.6500 1.7500 2.1500 2.3100
Concentra Financial .9000 1.0000 1.1000 1.2000 1.5000
DUCA Financial Services 1.3000 1.5000 1.7500 1.8500 2.0000
Effort Trust 1.4500 1.7000 1.8500 1.9500 2.2000
Empire Life .7000 .7500 .8750 1.1000 1.3000
Entegra Credit Union 1.9000 2.0000 2.1000 2.2500 2.4000
Equitable Life .5500 1.0500 1.1500 1.1500 1.4000
First Calgary Financial .9000 1.1000 1.1500 1.3000 2.0000
FirstOntario Credit Un. 1.9000 1.6000 1.8000 2.0000 1.9000
Great-West Life .5500 .5500 .5500 .8500 1.1500
HSBC Bank Canada .8500 .9000 1.0500 1.2000 1.4500
Home Trust Company 1.5500 1.7500 1.8500 1.9500 2.2000
ICICI Bank Canada 1.3500 1.5500 1.6500 1.8500 2.0500
Industrial Alliance .5000 1.3000 1.3500 1.4500 1.6000
London Life .5500 .5500 .5500 .8500 1.1500
MCAN Mortgage Corp. 1.4000 1.7500 1.8500 1.9000 2.2500
Manulife Bank 1.2500 1.4500 1.6500 1.8000 2.0500
Manulife Investments .6500 .8000 .9500 1.2500 1.5000
Meridian Credit Union 1.2500 1.3500 1.5500 1.7500 2.0000
National Bank .9000 1.0500 1.1500 1.2000 1.3500
Oaken Financial 1.9500 2.1000 2.1500 2.3000 2.5000
Outlook Financial 1.9000 2.0000 2.1000 2.2500 2.4000
PACE Savings & Credit Un 1.0000 1.2000 1.4000 1.5000 1.6000
Pacific & Western Bank 1.4600 1.7600 1.8000 1.9500 2.1000
Parama Credit Union 1.6000 1.7500 1.9000 2.0500 2.2000
Peace Hills Trust 1.4500 1.6500 1.7500 1.9500 2.1000
Peoples Trust 2.0500 2.2000 2.2500 2.3000 2.4500
President's Choice Fin'l 1.2000 1.3500 1.5000 1.6000 1.9000
Rapport Credit Union 1.0000 1.1000 1.1500 1.2000 1.7000
Royal Bank of Canada .9000 1.0000 1.0500 1.2000 1.5000
Servus Credit Union .9000 1.0500 1.1500 1.2500 1.5000
Steinbach Credit Union 1.9000 2.0000 2.1000 2.2500 2.4000
Sun Life - Insurance .6000 .6000 .7000 1.4000 1.5500
Sun Life - Trust 1.0500 1.2500 1.5500 1.7000 1.9500
TD Canada Trust .8500 .9000 1.0000 1.0500 1.5000
Tangerine 1.2000 1.3500 1.5000 1.6000 1.9000
WFCU Credit Union .8500 .9500 1.0500 1.1500 1.4000
Your Neighbourhood C.U. 1.3000 1.5000 1.8000 2.0000 2.1000

Disclaimer

The RRSP interest rates listed is intended as a general source of information only. Every effort has been made to ensure that the material is correct at time of publication, but we cannot guarantee its accuracy or completeness. RRSP Interest rates are subject to change at any time and without notice. Individuals should consult with their advisor, accountant or legal professional before taking any action based upon the information contained.

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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