Retirement RRSP RRIF LIRA

Rate (%) as of August 28, 2014 2:00 PM

Escalarater (RRSP only)
(Minimum investment $500)

  Non-redeemable Redeemable
3 years 5 years 3 years 5 years
1st year 0.950 0.950 0.900 0.950
2nd years 1.400 1.150 1.300 1.250
3rd years 2.300 1.500 1.750 1.450
4th years ---- 2.650 ---- 1.700
5th years ---- 4.450 ---- 3.400
Average rate 1.548 2.132 1.316 1.746

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TermNote Plus (RRSP only)
(Minimum investment $1,000)

  Rate
61 months 1.850
84 months 2.050

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Evoluterm (RRSP only)
3 years (Minimum investment $1,500)

  $1,500 and +
1 year 1.150
2 years 1.500
3 years 1.650

5 years (Minimum investment $2,500)

  $2,500 and +
1 year 1.000
2 years 1.200
3 years 1.600
4 years 1.900
5 years 2.150

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Progress (RRSP - RRIF/LIF - LIRA)

  $0 - $4999 $5,000 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 - +
Progress RRSP/LIRA 0.050 0.100 0.100 0.150 0.200
Systematic Savings RRSP 0.050 0.100 0.100 0.150 0.200

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Fixed-rate RRSP (RRSP and LIRA only)

  3 months 6 months 1 year 18 months 2 years 3 years 4 years 5 years
Non-redeemable RRSP/LIRA 0.550 0.700 0.900 0.950 1.150 1.250 1.500 1.750
Redeemable RRSP ---- ----            

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RRIF/LIF

  RRIF/LIF
3 months 0.550
6 months 0.700
1 year 0.900
18 months 0.950
2 years 1.150
3 years 1.250
4 years 1.500
5 years 1.750
6 years 1.950
7 years 2.050
8 years 2.200
9 years 2.300
10 years 2.400

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RRSP loan
Prime (P) = 3.000

Terms (months) Fixed rate Variable rate
Less than $10,000 $10,000 and over
3-12 5.250 5.000 P+ 0.750 = 3.750
13-24 6.250 5.500 P+ 1.250 = 4.250
25-36 6.250 5.500 P+ 1.750 = 4.750
37-48 6.500 6.250

 

P+ 2.250 = 5.250

 

49-60 6.750 6.500
61-84 ---- 6.750
85-120 ---- 7.250

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RRSP line of credit
Prime (P) = 3.000

  Rate
RRSP line of credit T+ 1.500 = 4.500

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Note

Rates subject to change without notice.