RRSP and RRIF Rates
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| Specialty RRSPs and RRIFs (Rates effective 2019-12-25) | Rates |
|---|---|
| RRSP and RRIF Optimiser | 2.100% |
| RRSP Pay Day Plan | 1.500% |
| 15 Month Reinvestable RRSP and RRIF | 1.850% |
| Redeemable RRSPs and RRIFs (Rates effective 2019-12-25) | Rates |
|---|---|
| 12 Month Redeemable RRSP and RRIF | 1.500% |
| Non-Redeemable RRSPs and RRIFs (Rates effective 2019-12-25) | Rates |
|---|---|
| 12 Month Non-Redeemable RRSP and RRIF | 1.650% |
| 15 Month Non-Redeemable RRSP and RRIF | 2.100% |
| 18 Month Non-Redeemable RRSP and RRIF | 2.000% |
| 24 Month Non-Redeemable RRSP and RRIF | 1.700% |
| 36 Month Non-Redeemable RRSP and RRIF | 1.900% |
| 48 Month Non-Redeemable RRSP and RRIF | 2.000% |
| 60 Month Non-Redeemable RRSP and RRIF | 2.100% |
| 2 Year Higher Rate (Rates effective 2019-12-25) | Rates |
|---|---|
| Year 1 Higher Rate | 1.650% |
| Year 2 Higher Rate | 2.550% |
| 3 Year Rate Climber RRSP and RRIF (Rates effective 2019-12-25) | Rates |
|---|---|
| Year 1 Rate Climber RRSP and RRIF | 1.650% |
| Year 2 Rate Climber RRSP and RRIF | 2.000% |
| Year 3 Rate Climber RRSP and RRIF | 3.100% |
| 5 Year Rate Climber (Rates effective 2019-12-25) | Rates |
|---|---|
| Year 1 Rate Climber, Paid Annually | 2.000% |
| Year 2 Rate Climber, Paid Annually | 2.150% |
| Year 3 Rate Climber, Paid Annually | 2.500% |
| Year 4 Rate Climber, Paid Annually | 2.800% |
| Year 5 Rate Climber, Paid Annually | 3.550% |
| Year 1 Rate Climber Compounding | 1.900% |
| Year 2 Rate Climber Compounding | 2.050% |
| Year 3 Rate Climber Compounding | 2.400% |
| Year 4 Rate Climber Compounding | 2.700% |
| Year 5 Rate Climber Compounding | 3.450% |
| RRSP Loans (Rates effective 2019-12-31) | Rates |
|---|---|
| RRSP Catch-Up Loan Fixed Rate, starting from | 3.850% |
| RRSP Catch-Up Loan Variable Rate, starting from | 4.950% |
| RRSP Re-Advanceable Loan | 3.450% |
