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Registered Retirement Income Fund(RRIF)Rates
Financial Institution Type of RRIF 1 Year 2 Years 3 Years 5 Years 10 Years 19 Years 25 Years
B2B Trust LD 4.500 4.750 4.800 4.900 N/A N/A N/A
BMO Bank of Montreal LD 3.300 3.400 3.500 3.700 3.750 3.750 N/A
BMO Bank of Montreal LD 3.300 3.400 3.500 3.700 N/A N/A N/A
Bk Nova Scotia Mtg. Corp LD 3.300 3.400 3.500 3.700 N/A N/A N/A
Bk Nova Scotia Mtg. Corp LD 3.300 3.400 3.500 N/A N/A N/A N/A
CIBC LD 3.300 3.400 3.500 3.700 N/A N/A N/A
CIBC LD 3.300 3.400 3.500 N/A N/A N/A N/A
Caisses Desjardins LD 3.400 3.500 3.600 3.850 N/A N/A N/A
Canada Life GT 4.000 3.875 4.000 4.125 4.275 N/A N/A
Cataract Savings & CU LD N/A N/A 4.300 5.000 N/A N/A N/A
Concentra Financial LD 3.400 3.500 3.600 3.850 N/A N/A N/A
Desjardins Fin. Security GT 3.950 3.650 3.750 3.850 N/A N/A N/A
Desjardins Fin. Security GT N/A N/A N/A N/A 4.200 4.200 N/A
Effort Trust LD 3.900 4.000 4.000 4.100 N/A N/A N/A
Effort Trust LD 3.900 4.000 4.000 4.100 N/A N/A N/A
Empire Life LD 3.750 3.875 3.875 3.875 4.250 N/A N/A
Empire Life LD 3.875 3.875 3.875 N/A N/A N/A N/A
Great-West Life GT 4.000 3.875 4.000 4.125 N/A N/A N/A
Great-West Life GT 4.000 3.875 4.000 4.125 3.500 4.250 N/A
Great-West Life LD 4.000 3.875 4.000 4.125 3.375 4.000 N/A
Great-West Life LD 4.000 3.875 4.000 4.125 N/A N/A N/A
Great-West Life LD 4.000 3.750 3.875 4.000 3.500 4.125 N/A
Home Trust Company LD 4.500 4.800 4.900 4.950 N/A N/A N/A
Key Savings + Credit U. LD 3.400 3.500 3.600 3.850 N/A N/A N/A
Lambton Financial C.U. LD 4.400 4.450 4.500 4.500 N/A N/A N/A
Laurentian Bank Canada LD 3.300 3.400 3.500 3.700 N/A N/A N/A
London Life GT 4.000 3.875 4.000 4.125 3.625 4.000 3.500
Manulife Investments GT 4.100 4.100 4.350 4.250 4.000 4.000 4.000
Manulife Investments GT 4.100 4.350 4.300 4.000 N/A N/A N/A
Manulife Investments LD 4.100 4.100 4.350 4.250 4.000 4.000 4.000
Manulife Investments LD 4.100 4.350 4.300 4.000 N/A N/A N/A
Manulife Investments LD 4.100 4.350 4.300 4.000 4.000 4.000 4.000
National Bank LD 3.300 3.400 3.500 3.700 3.750 N/A N/A
National Bank LD 3.350 N/A N/A N/A N/A N/A N/A
Ontario Civil Service CU LD 4.050 N/A N/A N/A N/A N/A N/A
Parama Credit Union LD 4.500 4.600 4.650 4.850 N/A N/A N/A
Royal Bank of Canada GT 3.300 3.400 3.500 3.700 3.750 N/A N/A
Royal Bank of Canada GT 3.350 3.400 3.500 N/A N/A N/A N/A
Servus Credit Union LD 3.400 3.500 3.600 3.850 N/A N/A N/A
So-Use Credit Union LD 3.800 4.000 3.800 4.000 N/A N/A N/A
Standard Life GT 4.100 3.675 3.675 4.250 4.075 3.750 N/A
Standard Life GT 4.100 3.675 3.675 4.250 N/A N/A N/A
TD Canada Trust LD 3.300 3.400 3.500 3.700 N/A N/A N/A
TD Canada Trust LD 3.300 3.400 3.500 N/A N/A N/A N/A
TD Canada Trust LD 3.300 3.400 3.500 N/A N/A N/A N/A
Transamerica Life Canada GT 3.350 3.400 3.550 3.750 4.150 N/A 4.300
Virtual One Credit Union LD 3.250 3.350 3.450 3.750 N/A N/A N/A
Windsor Family C.U. LD 3.500 3.600 3.700 5.050 N/A N/A N/A

Last Update: 08-20-2007 08:30:07


A retirement arrangement that allows a taxpayer to rollover a RRSP at the point when the RRSP must be collapsed. The funds can be withdrawn in future years to provide retirement income. A minimum withdrawal is required each year based on the balance of the fund at the time of the rollover. The balance of the fund and any extra income that accumulates remain tax-free until they are withdrawn.

Types of RRIFs: · GT = guaranteed term    · LD = long term deposit

The chart shows comparable but not identical RRIF products. It is based on a deposit of $50,000 with income paid annually.

Data provided by