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Retirement RRSP RRIF LIRA

Rate (%) as of January 21, 2020 1:15 PM

CONTRIBUTE

Escalarater (RRSP only)
(Minimum investment $500)

  Non-redeemable Redeemable
3 years 5 years 3 years 5 years
1st year 0.700 0.500 0.400 0.400
2nd years 1.000 1.150 0.800 0.800
3rd years 1.900 1.250 1.600 0.850
4th years ---- 1.550 ---- 1.000
5th years ---- 2.550 ---- 2.000
Average rate 1.199 1.398 0.933 1.009

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

  Rate
61 months 2.000
84 months 2.050

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

  $1,500 and +
1 year 0.900
2 years 1.050
3 years 1.200

5 years (Minimum investment $2,500)

  $2,500 and +
1 year 0.950
2 years 1.100
3 years 1.250
4 years 1.350
5 years 1.550

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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 1.400 1.450 1.500 1.600 1.800 2.000
Redeemable RRSP ---- ----            

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RRIF/LIF

  RRIF/LIF
3 months 0.550
6 months 0.700
1 year 1.400
18 months 1.450
2 years 1.500
3 years 1.600
4 years 1.800
5 years 2.000
6 years 2.050
7 years 2.050
8 years 2.100
9 years 2.150
10 years 2.250

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RRSP loan
Prime (P) = 3.950

Terms (months) Fixed rate Variable rate
Less than $10,000 $10,000 and over
3-12 5.250 5.000 P+ 0.750 = 4.700
13-24 6.250 5.500 P+ 1.250 = 5.200
25-36 6.250 5.500 P+ 1.750 = 5.700
37-48 6.500 6.250

 

P+ 2.250 = 6.200

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

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RRSP line of credit
Prime (P) = 3.950

  Rate
RRSP line of credit P+ 1.500 = 5.450

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Note

Rates subject to change without notice.