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RRSP and RRIF Rates

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Specialty RRSPs and RRIFs (Rates effective 2021-04-27) Rates
RRSP and RRIF Optimiser 1.100%
RRSP Pay Day Plan 0.350%
15 Month Reinvestable RRSP and RRIF 0.700%
Redeemable RRSPs and RRIFs (Rates effective 2021-04-27) Rates
12 Month Redeemable RRSP and RRIF 0.350%
Non-Redeemable RRSPs and RRIFs (Rates effective 2021-04-27) Rates
12 Month Non-Redeemable RRSP and RRIF 0.700%
15 Month Non-Redeemable RRSP and RRIF 0.700%
18 Month Non-Redeemable RRSP and RRIF 0.750%
24 Month Non-Redeemable RRSP and RRIF 0.800%
36 Month Non-Redeemable RRSP and RRIF 0.900%
48 Month Non-Redeemable RRSP and RRIF 1.000%
60 Month Non-Redeemable RRSP and RRIF 1.100%
2 Year Higher Rate (Rates effective 2021-04-27) Rates
Year 1 Higher Rate 0.550%
Year 2 Higher Rate 0.750%
3 Year Rate Climber RRSP and RRIF (Rates effective 2021-04-27) Rates
Year 1 Rate Climber RRSP and RRIF 0.700%
Year 2 Rate Climber RRSP and RRIF 0.750%
Year 3 Rate Climber RRSP and RRIF 2.000%
5 Year Rate Climber (Rates effective 2021-04-27) Rates
Year 1 Rate Climber, Paid Annually 0.700%
Year 2 Rate Climber, Paid Annually 0.750%
Year 3 Rate Climber, Paid Annually 1.050%
Year 4 Rate Climber, Paid Annually 1.300%
Year 5 Rate Climber, Paid Annually 2.500%
Year 1 Rate Climber Compounding 0.600%
Year 2 Rate Climber Compounding 0.650%
Year 3 Rate Climber Compounding 0.950%
Year 4 Rate Climber Compounding 1.200%
Year 5 Rate Climber Compounding 2.400%
RRSP Loans (Rates effective 2021-05-15) 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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