RRSP GIC

Looking for the best guaranteed return on your long-term retirement savings? Achieva offers among the highest GIC rates in Canada, with all the advantages and tax benefits of an RRSP.

Available in 1-5 year terms.

RRSP GICs are available in 1 to 5 year terms with a minimum deposit of only $1,000, and each Achieva customer can hold as many GICs as they need. When your RRSP GIC matures, Achieva offers you the flexibility to reinvest these funds in a new RRSP GIC, or have it deposited to a RRSP Savings Account.

Contribute anytime.

Make your annual contributions at any time. Your RRSP GIC will keep compounding tax-deferred interest until you’re ready to withdraw during retirement.  Upon request, or at the age requirement of 71, Achieva will assist with converting your RRSP to a RRIF.
  • Make your annual contributions at any time. Your RRSP GIC will keep compounding tax-deferred interest until you’re ready to withdraw during retirement.  Upon request, or at the age requirement of 71, Achieva will assist with converting your RRSP to a RRIF.
Deposit Guarantee

All deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

Key Benefits

  • Among the highest GIC rates in Canada
  • Maintain your retirement savings tax deferred
  • Reduce your current year’s taxes
  • Terms from 1 year to 5 years
  • Minimum balance $1,000 per RRSP GIC
GIC/RRSP/RRIF/TFSA
*min deposit $1000
Term
Interest rate
1 Year
Effective
December 1, 2022
4.70
%
2 Year
Effective
December 1, 2022
4.75
%
3 year
Effective
December 1, 2022
4.80
%
4 year
Effective
December 1, 2022
4.90
%
5 year
Effective
December 1, 2022
5.00
%

GIC interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date, and at maturity. Term rates are guaranteed for their specific duration and are not redeemable prior to maturity.

Looking for other retirement savings options?
Achieva also offers Locked-In Retirement Accounts (LIRAs) and Life Income Funds (LIFs). Please contact our Customer Support Centre for further information.