This RRIF is offered to members on terms between one to five years in length.

What you need to know: 

• $1,000 minimum investment

• Access to funds at maturity only

• Interest is compounded annually and is paid in full at maturity (or upon redemption). Automatic reinvestment at current rate¹

• Earn tax sheltered, compound interest at a guaranteed rate

• Provides flexibility for you to choose a term length that meets your needs

Rates 

Long term

• ​​1 year → 3.85% ​

• ​​2 year → 3.95% ​

• ​​3 year → 4.05% ​

• ​​4 year → 4.15% ​

• ​​5 year → 4.25%

3 year convertible

• ​​3 year → 3.95%

Fees 

• Transfer out: $100  

• Duplicate T4 RRIF: $15  

• Lump sum withdrawal (per withdrawal): $25  

• Inactive account fee: $25

This RRIF is offered on a one-year term with a $1,000 minimum investment. 

What you need to know 

• Interest paid on maturity (or upon redemption)

• Automatic reinvestment at current rate¹

• Provides the option of cashability prior to maturity

• Potential to earn a higher interest rate than a savings account

Rates 

• ​​1 year → 3.55%

Fees 

• Transfer out: $100  

• Duplicate T4 RRIF: $15  

• Lump sum withdrawal (per withdrawal): $25  

• Inactive account fee: $25

This RRIF requires no minimum investment and can be cashed out at any time. 

What you need to know 

• Redeemable, registered

• Fully or partially cashable at any time

• RRIF payments can be received weekly, biweekly, semi-monthly, monthly, quarterly, semi-annually or annually²

• Interest is calculated on the daily closing balance³ and is paid semi-annually on June 30 and December 31 to the investment

Rates 

• ​​Variable Rate → 1.50%

Fees 

• Transfer out: $100  

• Duplicate T4 RRIF: $15  

• Lump sum withdrawal (per withdrawal): $25  

• Inactive account fee: $25