We've merged effective January 1, 2020 and while this website may still bear the name and logo of Westminster Savings Credit Union, we are in the process of revising all print and digital materials to bear the name of the new legal entity - Prospera Credit Union. We appreciate your patience during this transitional period.

RRSP and RRIF Rates

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Specialty RRSPs and RRIFs (Rates effective 2020-06-20) Rates
RRSP and RRIF Optimiser 1.350%
RRSP Pay Day Plan 1.000%
15 Month Reinvestable RRSP and RRIF 1.600%
Redeemable RRSPs and RRIFs (Rates effective 2020-06-20) Rates
12 Month Redeemable RRSP and RRIF 1.000%
Non-Redeemable RRSPs and RRIFs (Rates effective 2020-06-20) Rates
12 Month Non-Redeemable RRSP and RRIF 1.250%
15 Month Non-Redeemable RRSP and RRIF 1.850%
18 Month Non-Redeemable RRSP and RRIF 1.250%
24 Month Non-Redeemable RRSP and RRIF 1.050%
36 Month Non-Redeemable RRSP and RRIF 1.100%
48 Month Non-Redeemable RRSP and RRIF 1.150%
60 Month Non-Redeemable RRSP and RRIF 1.350%
2 Year Higher Rate (Rates effective 2020-06-20) Rates
Year 1 Higher Rate 1.250%
Year 2 Higher Rate 1.300%
3 Year Rate Climber RRSP and RRIF (Rates effective 2020-06-20) Rates
Year 1 Rate Climber RRSP and RRIF 1.250%
Year 2 Rate Climber RRSP and RRIF 1.500%
Year 3 Rate Climber RRSP and RRIF 2.500%
5 Year Rate Climber (Rates effective 2020-06-20) Rates
Year 1 Rate Climber, Paid Annually 1.250%
Year 2 Rate Climber, Paid Annually 1.300%
Year 3 Rate Climber, Paid Annually 1.350%
Year 4 Rate Climber, Paid Annually 1.400%
Year 5 Rate Climber, Paid Annually 1.450%
Year 1 Rate Climber Compounding 1.150%
Year 2 Rate Climber Compounding 1.200%
Year 3 Rate Climber Compounding 1.250%
Year 4 Rate Climber Compounding 1.300%
Year 5 Rate Climber Compounding 1.350%
RRSP Loans (Rates effective 2020-06-20) Rates
RRSP Catch-Up Loan Fixed Rate, starting from 3.850%
RRSP Catch-Up Loan Variable Rate, starting from 3.450%
RRSP Re-Advanceable Loan 1.950%
 

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