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Types of RRIFs

Find the right Registered Retirement Income Fund (RRIF) investment for your situation. Whether you need ready access to your retirement income or prefer to earn higher RRIF rates, you’ll find an option to fit your needs. At Vancity, depositors are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia.

RRIF TypeOverviewKey Features

RRIF Jumpstart® High Interest Savings

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

RRIF mutual funds, stocks, and bonds¹

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

RRIF short term deposit

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

RRIF long term deposits

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

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

RRIF convertible term deposit

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

RRIF escalating term deposit

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

¹Split interest allows you to earn a premium interest rate on any portion of your investment above a certain threshold.
¹ Please read the Credential disclosure and mutual funds disclaimer.
¹ Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a registered mark owned by Aviso Wealth Inc.
²Please read the Credential disclosure and mutual funds disclaimer.
² Return is subject to a maximum cap. Ask us for more details.
³ By the Credit Union Deposit Insurance Corporation of British Columbia
4 The S&P/TSX 60 are trademarks of The McGraw-Hill Companies, Inc. and have been sub-licensed for use by Vancity. The product is not sponsored, endorsed, sold or promoted by Standard & Poor`s. Standard & Poor`s does not make any representation regarding the advisability of investing in the product.