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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.
Interest rate Up to
Fee * $0

Key Features

Great rate
Lock in your savings for one of our set terms and start earning a great interest rate.
No fees while you save with us
We simply don’t believe in unfair fees. We do believe in giving your retirement savings the power to grow.
Benefits of an RSP Benefits of an RSP
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 the 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.
Read more about RSP benefits.

Current Interest Rates

Current per year interest rate as of today's date.
90 Day
Guaranteed Investment
180 Day
Guaranteed Investment
270 Day
Guaranteed Investment
1 Year
Guaranteed Investment
1.5 Year
Guaranteed Investment
2 Year
Guaranteed Investment
3 Year
Guaranteed Investment
4 Year
Guaranteed Investment
5 Year
Guaranteed Investment

GIC Interest Calculator

See how much interest you’ll earn in your RSP GIC.
In , at an interest rate of , you'll have earned $ in interest.
A GIC term at an interest rate of would give you $ in interest.*
*Estimator tool is for demonstration purposes only and should not be relied upon as financial or other advice.
Don’t think this Account is for you? Take a look at our other options.
Guaranteed Investment
Learn More
Tax Free Guaranteed Investment
Learn More
RIF Guaranteed Investment
Learn More
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Savings Account, Chequing Account, and GIC interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually. GIC terms of less than one year have interest calculated on the basis of 365/366 and paid at maturity.
*RSPs have no fees while you’re saving with us. If at some point you decide to transfer your funds to another financial institution, a $45 fee will apply.
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