RRSP and RRIF Rates

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Redeemable RRSPs and RRIFs (Rates effective 2021-12-03) Rates
12 Month Redeemable RRSP and RRIF 0.400%
Non-Redeemable RRSPs and RRIFs (Rates effective 2021-12-03) Rates
12 Month Non-Redeemable RRSP and RRIF 0.750%
15 Month Non-Redeemable RRSP and RRIF 0.750%
18 Month Non-Redeemable RRSP and RRIF 0.750%
24 Month Non-Redeemable RRSP and RRIF 0.900%
36 Month Non-Redeemable RRSP and RRIF 1.200%
48 Month Non-Redeemable RRSP and RRIF 1.400%
60 Month Non-Redeemable RRSP and RRIF 1.600%
3 Year Rate Climber RRSP and RRIF (Rates effective 2021-12-03) Rates
Year 1 Rate Climber RRSP and RRIF 0.750%
Year 2 Rate Climber RRSP and RRIF 0.950%
Year 3 Rate Climber RRSP and RRIF 2.800%
5 Year Rate Climber (Rates effective 2021-12-03) Rates
Year 1 Rate Climber, Paid Annually 0.750%
Year 2 Rate Climber, Paid Annually 1.150%
Year 3 Rate Climber, Paid Annually 1.300%
Year 4 Rate Climber, Paid Annually 1.500%
Year 5 Rate Climber, Paid Annually 2.250%
Year 1 Rate Climber, Compounding 0.750%
Year 2 Rate Climber, Compounding 1.150%
Year 3 Rate Climber, Compounding 1.300%
Year 4 Rate Climber, Compounding 1.500%
Year 5 Rate Climber, Compounding 2.250%
RRSP Loans (Rates effective 2021-12-14) 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%