Is it Right for You?

These are ideal investments if you:

  • Want a solution for the cash component of your portfolio.
  • Are looking for an alternative to other low yield products.
  • Want an accessible(2) account in which to earn interest.
Is it Right for You?
Interest Rates(3) CAD USD
Series A 1.600% [QA] 1.450% [QA]
Series F 1.850% [QA] 1.700% [QA]
Corporate Series A 1.450% [QA] 1.450% [QA]
Corporate Series F 1.550% [QA] 1.550% [QA]
Notice Period Series A 1.600% [QA] 1.450% [QA]
Notice Period Series F 1.700% [QA] 1.550% [QA]

Interest Rate Sheet

RBC 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 bank account eligible for deposit insurance coverage by the Canada Deposit Insurance Corporation.

The RBC Investment Savings Account is available through your advisor(4) who can continue to provide sound advice on your portfolio.

Benefits

  • Earning potential with competitive interest rates.
  • More security with the trusted RBC brand(1). With the RBC Investment Savings Account, you get the added benefit of an account that is eligible for deposit insurance.
  • Flexibility to choose to invest your money in a non-registered or registered account.
  • Liquidity since, with the exception of Notice Period Series, your money is accessible when you want with no locked–in periods or maturity dates.(2)

Investment Type

Savings account

Interest

Interest is calculated daily and paid monthly(5)

Plan Type

Non–registered and registered plans

Currency

Canadian dollars only

Eligibility

Available to Canadian residents only and subject to additional restrictions(6)

Minimum

$500

Maximum

Royal Bank of Canada:

  • Series A and F: $25,000,000(6) (available only to personal clients who are individuals)
  • Corporate Series A and Corporate Series F: $50,000,000(6)
  • Notice Period Series A and Notice Period Series F: $50,000,000(6)

Royal Bank Mortgage Corporation, Royal Trust Corporation of Canada and The Royal Trust Company:

  • Series A and Series F: $150,000(6) (available only to personal clients who are individuals)

Settlement

  • T+1
  • 31 days’ prior notice is required for Notice Period Series A and Notice Period Series F

For more information please refer to the RBC Investment Savings Account
fact sheet and terms and conditions.

RBC U.S. Investment Savings Account

Get convenience and flexibility working for you

The RBC U.S. Investment Savings Account 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, with the exception of Notice Period Series, your money isn't locked in, and transactions settle the next business day.(2)

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(4) who can continue to provide sound advice on your portfolio.

Funds deposited in the RBC U.S. Investment Savings Account are not eligible for deposit insurance coverage by the Canada Deposit Insurance Corporation.

Benefits

  • Earning potential with competitive interest rates.
  • More security with the trusted RBC brand(1).
  • Flexibility to choose to invest your money in a non-registered or registered account.
  • Liquidity since, with the exception of Notice Period Series, your money is accessible when you want with no locked–in periods or maturity dates.(2)

Investment Type

Savings account

Interest

Interest is calculated daily and paid monthly(5)

Plan Type

Non-registered and registered plans

Currency

US dollars only

Eligibility

Available to Canadian residents only, and subject to additional restrictions(7)

Minimum

$500

Maximum

Royal Bank of Canada:

  • Series A and F: $25,000,000(7) (available only to personal clients who are individuals)
  • Corporate Series A and Corporate Series F: $50,000,000(7)
  • Notice Period Series A and Notice Period Series F: $50,000,000(7)

Settlement

  • T+1
  • 31 days’ prior notice is required for Notice Period Series A and Notice Period Series F

For more information please refer to the RBC U.S. Investment Savings Account
fact sheet and terms and conditions.

Fund Codes

Fund Codes
Legal Entity RBC RBMC RT Corp RT Co. RBC
Currency CAD CAD CAD CAD USD
Series A RBF2010 RBF2020 RBF2030 RBF2040 RBF2014
Series F RBF2011 RBF2021 RBF2031 RBF2041 RBF2015
Corporate Series A RBF2012 - - - RBF2016
Corporate Series F RBF2013 - - - RBF2017
Notice Period Sr. A RBF2100 - - - RBF2102
Notice Period Sr. F RBF2101 - - - RBF2103

Historical Rates

Canadian Historical Rates Expanded
yyyy-mm-dd Series A Series F
2018-07-12 1.35 % 1.600 %
2018-01-18 1.10 % 1.350 %
2017-09-08 0.95 % 1.200 %
2017-07-13 0.85 % 1.100 %
2015-07-20 0.75 % 1.000 %
2015-01-22 1.00 % 1.250 %
2011-12-08 1.25 % 1.500 %
2010-10-08 1.20 % 1.450 %
2010-10-06 1.10 % 1.350 %
2010-08-25 1.00 % 1.250 %
2010-07-29 0.90 % 1.150 %
2010-05-12 0.75 % 1.000 %
2010-02-16 0.50 % 0.750 %
2009-08-18 0.60 % 0.850 %
2009-08-04 0.70 % 0.950 %
2009-07-06 0.75 % 1.000 %
Canadian Corporate Series Historical Rates Expanded
yyyy-mm-dd Corporate Series A Corporate Series F
2018-07-12 1.20 % 1.30 %
2018-01-18 0.95 % 1.05 %
2017-09-08 0.80 % 0.90 %
2017-07-13 0.70 % 0.80 %
2015-07-20 0.60 % 0.70 %
2015-01-22 0.85 % 0.95 %
2012-02-13 1.10 % 1.20 %
2011-09-19 1.20 % 1.30 %
2011-06-27 1.20 % N/A
Canadian Notice Period Historical Rates Expanded
yyyy-mm-dd Series A Series F
2018-07-12 1.35 % 1.45 %
2018-01-18 1.10 % 1.20 %
2017-09-08 0.95 % 1.05 %
2017-07-13 0.85 % 0.95 %
2016-03-31 0.75 % 0.85 %
2015-02-07 1.25 % 1.35 %
U.S. Historical Rates Expanded
yyyy-mm-dd Series A Series F
2018-06-14 1.20 % 1.45 %
2018-03-22 0.95 % 1.20 %
2017-12-19 0.70 % 0.95 %
2016-12-16 0.45 % 0.70 %
2011-03-08 0.20 % 0.45 %
U.S. Corporate Series Historical Rates Expanded
yyyy-mm-dd Series A Series F
2018-06-14 1.20 % 1.30 %
2018-03-22 0.95 % 1.05 %
2017-12-19 0.70 % 0.80 %
2016-12-16 0.45 % 0.55 %
2011-09-15 0.20 % 0.30 %
2011-06-27 0.20 % N/A
U.S. Notice Period Historical Rates Expanded
yyyy-mm-dd Series A Series F
2018-06-14 1.20 % 1.30 %
2018-03-22 0.95 % 1.05 %
2017-12-19 0.70 % 0.80 %
2016-12-16 0.45 % 0.55 %
2015-02-07 0.20 % 0.30 %

Contact Us

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