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Registered Retirement Savings Plan (RRSP)

Putting funds aside in a RRSP during your earning years will help you build a comfortable retirement fund.

Your retirement should be the ultimate reward for all your hard work.

Questions?
Contact a Branch near you

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RRSP GIC

A RRSP GIC is used to invest funds at a fixed rate in a Registered Retirement Savings Plan.

Interest Rate

Non-Redeemable Non-RedeemableRedeemable
30-59 days0.45%12 months1.55%1.10%**
60-89 days0.50%24 months1.55%
90-119 days0.55%36 months1.65%
120-179 days0.60%48 months1.75%
180-269 days0.65%60 months1.85%
270-364 days0.70%84 months1.95%
** Indicates a special offer. Click for details.

Minimum Balance
$1,000

Features

Questions?
Contact a Branch near you.

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.

RRSP Savings Account

You can deposit money in your RRSP Savings Account at any time, within your RRSP contribution limits.

You can set up automatic deposits to this account to ensure that you are putting the desired amount of funds aside for your retirement.

You can withdraw funds from this account at any time however withdrawals from a RRSP are taxable in the year of the withdrawal.

Interest Rate
0.75%

Features

Questions?
Contact a Branch near you

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

How a RRSP works

  • Contributions to a RRSP are deductible for tax purposes.
  • Income earned is not taxable so long as it stays in the RRSP.
  • Withdrawals from a RRSP are taxable in the year of the withdrawal.
  • Annual RRSP contribution limits are calculated based on your income.
  • Any unused RRSP contribution room can be carried forward to future years.

Learn more