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Retirement RRSP RRIF LIRA

Rate (%) as of February 27, 2015 2:00 PM

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CONTRIBUTE

Escalarater (RRSP only)
(Minimum investment $500)

  Non-redeemable Redeemable
3 years 5 years 3 years 5 years
1st year 0.700 0.650 0.450 0.450
2nd years 1.000 1.250 0.850 1.000
3rd years 2.250 1.350 1.850 1.100
4th years ---- 1.650 ---- 1.400
5th years ---- 3.200 ---- 3.000
Average rate 1.314 1.616 1.050 1.386

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

  Rate
61 months 1.450
84 months 1.850

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

  $1,500 and +
1 year 0.900
2 years 1.200
3 years 1.350

5 years (Minimum investment $2,500)

  $2,500 and +
1 year 0.900
2 years 1.100
3 years 1.450
4 years 1.600
5 years 1.900

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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 0.450 0.600 0.650 0.700 0.950 1.100 1.300 1.450
Redeemable RRSP ---- ----            

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RRIF/LIF

  RRIF/LIF
3 months 0.450
6 months 0.600
1 year 0.650
18 months 0.700
2 years 0.950
3 years 1.100
4 years 1.300
5 years 1.450
6 years 1.750
7 years 1.850
8 years 1.950
9 years 2.050
10 years 2.150

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RRSP loan
Prime (P) = 2.850

Terms (months) Fixed rate Variable rate
Less than $10,000 $10,000 and over
3-12 5.250 5.000 P+ 0.750 = 3.600
13-24 6.250 5.500 P+ 1.250 = 4.100
25-36 6.250 5.500 P+ 1.750 = 4.600
37-48 6.500 6.250

 

P+ 2.250 = 5.100

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

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RRSP line of credit
Prime (P) = 2.850

  Rate
RRSP line of credit P+ 1.500 = 4.350

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Note

Rates subject to change without notice.