Long Term (10 to 25 years) RRIF Rates

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RRIF Interest Rates

RRIFs: 10 to 25 years
Financial Institution Redeem-
able
Minimum
Deposit
Term In Years
10 12 15 19 20 25
BMO Bank of Montreal no 500 1.4000 - - - - -
Bk Nova Scotia Mtg. Corp no 1,000 2.0000 - - - - -
Canada Life yes 500 1.3500 - - - - -
Empire Life yes 10,000 1.3500 - - - - -
Laurentian Bank Canada no 500 1.7000 - - - - -
Manulife Investments yes 2,500 1.2000 - - - - -
National Bank yes 500 1.3000 - - - - -
Sun Life - Insurance yes 5,000 1.3000 1.3000 1.3000 1.5000 1.5500 1.5500
This table shows comparable but not identical products.

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 This product is registered for tax purposes, so interest accumulations are not taxed until withdrawn.

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