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RSP Guaranteed Investment (RSP GIC)

Protect your retirement savings with the guaranteed growth of a GIC combined with the tax benefits of an RSP. 

Up to [[GIC_RSP.RATE.MAX]]

Interest rate 

$0

Monthly fee

Are you already a client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Are you already a client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Great rate

Lock in your savings for one of our set terms and start earning a great interest rate.

No unfair† fees or service charges

We simply don’t believe in unfair fees. So you won’t have to pay to save with us.

Easy to open online

Once you’re a Tangerine Client, opening a GIC online takes just a few minutes.

Benefits of an RSP

You pay less tax

Contributions to an RSP can be deducted from your taxable income, which is especially worthwhile if you use this tax saved to make a contribution for next year or to pay off debts. 

Your RSP contribution is tax sheltered

The money you contribute, up to your contribution limit, and the earnings you make on your investments are only subject to tax when you withdraw from your RSP.

You can split your income with a Spousal RSP

Spousal RSP contributions help ensure future retirement income is split evenly between you and your partner.

GIC Interest Calculator

See how much interest you’ll earn in your GIC.

GIC Table

GIC Term Interest Earned


*Estimator tool is for demonstration purposes only and should not be relied upon as financial or other advice.

Reach your savings goals faster

Create a personalized savings goal and have money moved automatically to your Tangerine Account.

Download the app

Become a Client completely digitally with our Mobile Banking app. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

Don’t have our Mobile Banking app yet? Download it today, so you can bank easily from anywhere.

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