Types of RRIFs

Ideal for short-term deposits, this savings account lets you accumulate your savings and earn a competitive interest rate while you decide on longer-term investment options.

• No minimum balance required
• Make deposits at any time
• Earn our best posted daily savings interest rate on your account balance
• Access to funds at any time
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Choose from a wide range of mutual funds, stocks, and bonds to diversify your RRIF portfolio and help you achieve your post-retirement goals.

• Get expert, unbiased advice from qualified investment professionals
• Access RRIF-eligible mutual funds managed by IA Clarington, CI Investments, Mackenzie Financial, Franklin Templeton and more
• Access a wide range of stocks, bonds, and more through Credential Securities
• Discretionary investment management for portfolios of $500,000+ through Vancity Investment Management
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Invest your funds for less than a year, and still earn a guaranteed rate of interest.

• A non-redeemable term with minimum investment that starts at $500
• Choose investment terms from 90 to 364 days
• The longer you keep your funds on deposit, the higher the rate of interest you generally earn
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Earn a competitive, guaranteed interest rate in exchange for locking your investment in for the full term.

• A non-redeemable term with minimum investment that starts at $500
• Choose terms from 1 to 5 years
• Competitive interest rates are guaranteed for the full term of the investment
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Enjoy the potential for higher returns based on stock market performance while protecting your investment principal.

• 3- or 5-year terms available
• Minimum investment starts at $1,000
• Choose Market Sure for a guaranteed minimum return on your investment²
• Choose Market Stretch for returns linked to a group composed of 20 major Canadian companies² representing various economic sectors
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Park your RRIF contribution in this 1-year term deposit, earn higher interest than a savings account, and decide how to invest it later.

• Minimum investment starts at $500
• Move your investment to another Vancity term deposit or investment product any time
• Enjoy a guaranteed interest rate for the term
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This investment offers an interest rate that escalates a, giving you the opportunity to earn more while keeping your investment safe.

• Minimum investment of $500 required
• Choose a 3- or 5-year investment commitment
• Could earn a higher interest rate than a regular term deposit of the same length
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