Tangerine RIF Guaranteed Investment (GIC)


Get the guaranteed benefits of a Tangerine GIC, combined with all the great features of a Tangerine RIF. It has some of the best rates going, with no fees or service charges while you save with us.

And if you ever decide to redeem your RIF GIC before the maturity date, you’ll only have to pay the government withholding taxes for the redemption amount that exceeds your annual RIF Payment Amount. The funds left in your RIF will remain safe and secure while you continue to save during your retirement.


Great Rate: Just lock in your savings with us for one of our set terms and we'll pay the kind of interest that you'd expect with a guarantee. You earn the same great rate on every dollar in your Account.

Safe and secure: Tangerine Bank is a member of Canada Deposit Insurance Corporation, which means your deposits of up to $100,000 are eligible for CDIC deposit insurance.

Current interest rates:
Current per year interest rate since
Enroll now
Enroll over the phone by calling us at 1-866-700-0314.

Savings Account, Chequing Account, and GIC rates are annualized and are current as of today's date and are subject to change without notice. Interest is calculated daily and paid monthly in the case of our Savings and Chequing Accounts; and is calculated daily and paid at maturity on a GIC. RIF GICs 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. You will have 30 days from the purchase or re-investment date to cancel the new GIC.