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Personal Banking > Investment Services > Investment Savings

Investment Savings Account

A savings account can be a valuable addition to your diversified portfolio. Discover how an RBC Investment Savings Account or RBC U.S. Investment Savings Account can work for you.

Interest Rates(1)
  CAD USD
Series A 1.250% 0.200%
Series F 1.500% 0.450%
Corporate Series A 1.200% 0.200%
Corporate Series F 1.300% 0.300%

Expand View Canadian Historical Rates
 

Is It Right for You?

These are ideal investments if you:

  • Want a short term solution for the cash component of your portfolio.
  • Are looking for an alternative to other low yield products.
  • Want an accessible account in which to earn interest.
 
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You are on: Investment Savings Account

Gain the best from both worlds: savings and security

Grow your savings in a product that pays a competitive interest rate and enjoy the security of having your money held in a CDIC eligible bank product. The RBC Investment Savings Account(2) is available through your advisor who can continue to provide sound advice on your portfolio.

Benefits
Earning potential with competitive interest rates.
Flexibility to choose to invest your money in a non–registered or registered account.
More security with the trusted RBC brand(3) and the added benefit of an account that is CDIC eligible.
Liquidity since your money is accessible when you want with no locked–in periods or maturity dates.
Expand - Features Features

For more information please refer to the RBC Investment Savings® – fact sheet and terms and conditions (opens PDF in new window).

You are on: U.S. Investment Savings Account

Get convenience and flexibility working for you

The RBC U.S. Investment Savings Account(2) gives you a safe place to keep your U.S. cash, while you decide how to invest it. Or, if you're using it to save your U.S. dollars, the competitive interest rates could ensure that your money keeps growing. You also have convenient and easy access to your funds, because your money isn't locked in, and transactions settle the next business day.

Backed by the trusted RBC® brand, the RBC U.S. Investment Savings Account gives you the security of knowing your U.S. funds are safe. The RBC U.S. Investment Savings Account is available through your advisor who can continue to provide sound advice on your portfolio.

Benefits
Earning potential with competitive interest rates.
Flexibility to choose to invest your money in a non–registered or registered account.
More security with the trusted RBC brand.
Liquidity since your money is accessible when you want with no locked–in periods or maturity dates.
Expand - Features Features

For more information please refer to the RBC U.S. Investment Savings™ – fact sheet and terms and conditions (opens PDF in new window).

 

Contact Us

For more information and sound financial advice, please talk to your financial advisor.

 


1) Interest rates are per annum and are subject to change anytime without prior notice.
2) This product is available through registered investment dealers or mutual fund dealers in Canada only. It is available through FundSERV in nominee name only.
3) RBC Investment Savings Account is offered by each of Royal Bank of Canada, Royal Bank Mortgage Corporation, Royal Trust Corporation of Canada (“RTCC”) and The Royal Trust Company. Each is a member of the Canada Deposit Insurance Corporation (CDIC). RBC Investment Savings Account is eligible for CDIC insurance, subject to CDIC rules and regulations. RBC Investment Savings Account offered by RTCC is not available to clients resident in the Province of Quebec. RBC U.S. Investment Savings Account is offered only by Royal Bank of Canada. For more information please refer to the RBC Investment Savings – fact sheet and terms and conditions (opens PDF in new window)
4) Interest is calculated daily on the closing credit balance and paid monthly by way of credit to the account on the last Business Day of the calendar month or, upon your request, paid as a cash distribution to your account at the dealer. If the last Business Day of the calendar month is followed by any non–Business Days, the monthly interest payment shall include interest to be earned on the non–Business Days that follow month end, even if the non-Business Days belong to the next calendar month. The interest payment of the next calendar month shall be adjusted accordingly. The interest rate is an annual rate and the interest calculation is a simple interest calculation.
5) Subject to Eligibility Criteria. Please see Fact Sheet (opens PDF in new window) for additional eligibility rules.

 

Contact Us

For more information and sound financial advice, please talk to your financial advisor.