Best RRSP Rates in Canada as of
Registered Short-Term RRSP Rates (Summary)
Updated September 26, 2026
| Institution | 30 Days | 60 Days | 90 Days | 120 Days | 180 Days |
|---|---|---|---|---|---|
| Bank of Nova Scotia | 2.0000 | 2.0000 | 2.2000 | 2.2000 | 2.3000 |
| Bk Nova Scotia Mtg. Corp | 2.0000 | 2.0000 | 2.2000 | 2.2000 | 2.3000 |
| CIBC | - | .0500 | .0500 | .0500 | .1000 |
| Coast Capital Savings | 1.8000 | 1.8000 | 2.1500 | 2.1500 | 2.2500 |
| Desjardins - Caisses | 1.7000 | 1.7000 | 1.9000 | 1.9000 | 2.2000 |
| Empire Life | 1.3000 | - | 1.3000 | - | 1.3000 |
View All: Registered Short-Term RRSP Rates View All RRSP Rates
Registered Long-Term RRSP Rates (Summary)
Updated September 26, 2026
| Institution | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years |
|---|---|---|---|---|---|
| Achieva Financial | 3.6500 | 3.7500 | 3.9500 | 3.9000 | 4.1000 |
| BMO Bank of Montreal | 3.0000 | 3.2000 | 3.3000 | 3.3500 | 3.5500 |
| Bank of Nova Scotia | 2.4500 | 2.5000 | 2.6000 | 2.7000 | 2.7500 |
| 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 |
View All: Registered Long-Term RRSP Rates View All RRSP 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 September 26, 2026 at 06:30:12 ET. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2026 CANNEX Financial Exchanges Limited. All rights reserved. |
