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A RRIF GIC is used to invest funds at a fixed rate in a Registered Retirement Income Fund.

Interest Rate

12 months4.70%**3.25%
24 months4.50%n/a
36 months4.40%n/a
48 months4.30%n/a
60 months4.20%n/a
**Indicates a special offer for a limited time. Some conditions apply. Contact your branch for details.

Minimum Balance


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Interest is calculated daily and is paid at maturity for terms of one year or less or annually for terms exceeding one year. Rates subject to change without notice.

Savings Account

You can open a RRIF Savings Account at any time.

Interest Rate


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Interest rate is variable. Interest is calculated daily and paid monthly. Rate subject to change without notice.

How a RRIF works

  • A RRIF is the next step after RRSP
  • You can only contribute to a RRIF by transferring funds from a RRSP.
  • The funds in your RRSP must be transferred to a RRIF by the end of the year in which you turn 71 years old (or the funds in the RRSP must be withdrawn in full).
  • Income earned is not taxable so long as it stays in the RRIF.
  • You must receive minimum payments every year from your RRIF.
  • Payments from a RRIF are taxable upon receipt.
  • To view the updated RRIF Declaration of Trust, please click here.

Learn more