Best RRIF Rates in Canada as of
Registered Short-Term RRIF Rates (Summary)
Updated December 18, 2025
| Institution | 1 Year | 2 Year | 3 Year | 4 Year | 5 Year |
|---|---|---|---|---|---|
| BMO Bank of Montreal | 2.2500 | 2.4000 | 2.5500 | 2.7000 | 3.0000 |
| Bk Nova Scotia Mtg. Corp | 2.4500 | 2.5000 | 2.6000 | 2.7000 | 2.7500 |
| CIBC | 2.0000 | 2.0000 | 2.1000 | 2.2000 | 2.2000 |
| Canada Life | 1.3500 | 1.7500 | 2.0500 | 2.3000 | 2.6000 |
| Effort Trust | 2.8000 | 2.6000 | 3.5300 | 2.6000 | 3.6700 |
| Empire Life | 1.9000 | 2.2000 | 2.4500 | 2.6500 | 3.2000 |
| Kindred Credit Union | 3.0000 | 3.1000 | 3.1500 | 3.2000 | 3.2500 |
View All: Registered Short-Term RRIF Rates View All RRIF Rates
Registered Long-Term RRIF Rates (Summary)
Updated December 18, 2025
| Institution | 10 Years | 12 Years | 15 Years | 19 Years | 20 Years | 25 Years |
|---|---|---|---|---|---|---|
| BMO Bank of Montreal | 3.3500 | - | - | - | - | - |
| Bk Nova Scotia Mtg. Corp | 3.0000 | - | - | - | - | - |
| Canada Life | 3.2500 | - | - | - | - | - |
| Empire Life | 3.0500 | - | - | - | - | - |
| Laurentian Bank Canada | 3.6000 | - | - | - | - | - |
| Manulife Investments | 3.7500 | - | - | - | - | - |
| National Bank | 3.0000 | - | - | - | - | - |
| Sun Life - Insurance | 2.6500 | 2.4500 | 2.4500 | 2.4000 | 2.3000 | 2.2000 |
View All: Registered Long-Term RRIF Rates View All RRIF Rates
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Interest not compounded and paid at maturity.
Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company. |
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Prepared by CANNEX on December 18, 2025 at 07:33:39 ET. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2025 CANNEX Financial Exchanges Limited. All rights reserved. |