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Rates

Registered Investments

 

Rates for 23 July 2014

There are many investment options available for your Registered Plan, including Registered Savings Deposits, GICs and RBC Funds options to choose from.

To help you decide, we also provide the information and advice you need to make the investment decision that's best for you.

Registered Savings Deposit

Features:

  • Redeemable — no penalty. Ideal for 'parking' your contribution prior to making an investment decision.
  • Available in your Registered Retirement Savings Plan (RRSP), Registered Education Savings Plan (RESP), Registered Disability Savings Plan (RDSP), Tax-Free Savings Account (TFSA), Retirement Income Fund (RIF), Life Income Fund (LIF) and Prescribed Retirement Income Fund (PRIF).
  • Interest rates quoted are per annum, with interest calculated on the daily closing balance added to principal at the end of June and December. Interest rates are subject to change.
Registered Plans (except for TFSA)
For investments ofInterest Rate [ % ]
$0 to $5,499.990.050
$5,500 to $24,999.990.100
$25,000 to $49,999.990.200
$50,000 to $999,999,999.990.200

Tax-Free Savings Account (TFSA)
For investments ofInterest Rate [ % ]
$0 to $5,499.991.000
$5,500 to $24,999.991.000
$25,000 to $49,999.991.000
$50,000 to $999,999,999.991.000

Redeemable Semi-Annual Compound Interest GICs

Features:

  • Available in your Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA).
  • Interest rates quoted are per annum, with interest calculated and added to principal on each 6 month anniversary date, and at maturity.
  • Prior redemption rate : 0.050 %
  • Minimum deposit : $500
TermInterest Rate [ % ]
1 to 1.5 years less a day1.000
1.5 to 2 years less a day1.300
2 to 2.5 years less a day1.300
2.5 to 3 years less a day1.300
3 to 4 years less a day1.500
4 to 5 years less a day1.350
5 years only1.750

Non-Redeemable Annual Compound Interest GICs

Features:

  • Available in your Registered Retirement Savings Plan (RRSP), Registered Education Savings Plan (RESP), Registered Disability Savings Plan (RDSP), Retirement Income Fund (RIF), Life Income Fund (LIF) and Prescribed Retirement Income Fund (PRIF) and Tax-Free Savings Account (TFSA).
  • Interest rates quoted are per annum, with interest calculated and added to principal on each 12 month anniversary date, and at maturity.
  • Minimum deposit : $1000 ($500 for RRSP/RESP/RDSP/TFSA)
TermInterest Rate [ % ]
30 to 89 days0.650
90 to 179 days0.800
180 to 269 days0.900
270 to 364 days0.900
1 to 1.5 years less a day1.250
1.5 to 2 years less a day1.550
2 to 2.5 years less a day1.550
2.5 to 3 years less a day1.550
3 to 4 years less a day1.750
4 to 5 years less a day1.600
5 years only2.000
7 years only2.100
10 years only2.300

Non-Redeemable Annual Pay Non-Compounding Interest GICs

Features:

  • Available in your Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA).
  • Interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date to a Registered Savings Deposit.
  • Minimum deposit :$500
TermInterest Rate [ % ]
1 to 1.5 years less a day1.250
1.5 to 2 years less a day1.550
2 to 2.5 years less a day1.550
2.5 to 3 years less a day1.550
3 to 4 years less a day1.750
4 to 5 years less a day1.600
5 years only2.000


NOTES

Interest rates are subject to change without notice at any time.

Rates shown are calculated on a per annum basis.

 
07/23/2014 00:03:02