Personalized Annuity Term Savings
Get guaranteed retirement income from your RRIF or LIF.
Not a member? Schedule a call to book an appointment.
Interest rate
2.60% to 3.25%
Terms available
1 to 5 years
Why choose Personalized Annuity Term Savings?
Guaranteed principal and interest
Your investment is guaranteed and earns interest at a fixed rate.
Regular retirement income
Supplement your retirement income with regular payments from your RRIF or LIF, made up of your principal and interest.
Personalized Annuity Term Savings interest rates
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Fixed rate – 1 to 5 years
| Term | Interest rate |
|---|---|
| 1 year | 2.60% |
| 2 years | 2.85% |
| 3 years | 3.00% |
| 4 years | 3.05% |
| 5 years | 3.25% |
Eligible savings plans
| Plan | Minimum investment |
|---|---|
| RRIF | $5,000 |
| LIF | $5,000 |
Payment setup
You can change your payment amount or frequency at any time.
| Frequency options | Payment amount can be changed |
|---|---|
| Weekly | Yes. |
| Every 2 weeks | Yes. |
| Twice a month | Yes. |
| Monthly | Yes. |
| Every 3 months | Yes. |
| Every 6 months | Yes. |
| Yearly | Yes. |
More information
Deposit insurance coverage
Your investment is eligible for deposit insurance, up to a certain limit.
Eligible for member dividends
Term savings are included when calculating your member dividends, if your caisse or credit union pays them.
Book an appointment to invest in term savings
By phone
Montreal area:
514-224-7737 This link opens your phone app. (514-CAISSES)
Elsewhere in Canada:
1-800-224-7737 This link opens your phone app. (1-800-CAISSES)
Or we can call you when it's convenient.