Long Term RRSP Rates

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RRSP Interest Rates

Registered Term Deposits/GICs: 7 to 12 year
Financial Institution Redeem-
able
Minimum
Deposit
Term In Years
7 8 9 10 11 12
Canada Life yes 500 2.6500 2.6500 2.6500 3.0000 - -
Empire Life yes 500 3.0000 3.0500 3.0500 3.1000 - -
Empire Life yes 50,000 3.1250 3.1750 3.1750 3.2250 - -
Empire Life yes 100,000 3.2500 3.3000 3.3000 3.3500 - -
Industrial Alliance yes 1,000 - - - 3.5000 - -
Industrial Alliance yes 25,000 - - - 3.6500 - -
Industrial Alliance yes 100,000 - - - 3.7000 - -
Industrial Alliance yes 200,000 - - - 3.7500 - -
Manulife Investments yes 2,500 3.3000 3.3500 3.5000 3.6000 - -
Manulife Investments yes 50,000 3.3500 3.4000 3.5500 3.6500 - -
Manulife Investments yes 100,000 3.4000 3.4500 3.6000 3.7000 - -
Manulife Investments yes 200,000 3.4500 3.5000 3.6500 3.7500 - -
Manulife Investments yes 500,000 3.5000 3.5500 3.7000 3.8000 - -
Interest compounded annually 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. These investments are registered for tax purposes as an RSP (retirement savings plan).

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