Mid-Term (1 to 6 years) RRIF Rates

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RRIF Interest Rates

RRIFs: 1 to 6 years
Financial Institution Redeem-
able
Minimum
Deposit
Term In Years
1 2 3 4 5 6
*Effort Trust no 1,000 .7500 1.0500 1.0500 1.0500 1.0500 -
*LBC Trust no 1,000 .7600 .9800 1.2000 1.5000 1.7000 -
*Laurentian Bk Agent Ser no 1,000 .7600 .9800 1.2000 1.5000 1.7000 -
*Laurentian Trust no 1,000 .7600 .9800 1.2000 1.5000 1.7000 -
B2B Bank no 1,000 .7600 .9800 1.2000 1.5000 1.7000 -
BMO Bank of Montreal no 500 .3500 .5000 .6000 .9000 1.1000 1.2000
Bk Nova Scotia Mtg. Corp no 1,000 .4500 .5500 .6000 .7000 .8000 1.5000
CIBC no 500 .3500 .5000 .9000 1.2500 1.3000 -
Canada Life yes 500 .1000 .3000 .5000 .6500 .6500 .7000
Effort Trust no 1,000 .7500 1.0500 1.0500 1.0500 1.0500 -
Empire Life yes 10,000 .5000 .5000 .5000 .5000 .8500 .9500
Kindred Credit Union no 500 .9000 1.0000 1.1000 1.2000 1.3000 -
Laurentian Bank Canada no 500 .4500 .5500 .7000 .8000 1.0500 -
Luminus Financial no 500 .8500 1.0000 1.1000 1.1500 1.2000 -
Manulife Investments yes 2,500 .4500 .5500 .6500 .6500 .9500 .9500
National Bank yes 500 .4000 .5000 .7500 .7000 1.1500 1.1500
Oaken Financial no 10,000 1.4000 1.5000 1.6000 1.9000 2.1000 -
Parama Credit Union no 1,000 1.2500 1.3500 1.4500 1.5500 1.6500 -
Rapport Credit Union no 1,000 .8500 1.1500 1.3000 1.3500 1.4500 -
Sun Life - Insurance yes 5,000 .7500 .8500 .9000 1.2000 1.5000 1.5000
TD Canada Trust no 500 .4000 .5000 .6000 .7000 .8500 -
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 This product is registered for tax purposes, so interest accumulations are not taxed until withdrawn.

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