RIF Guaranteed Investment (RIF GIC)

The guaranteed benefits of a GIC join forces with all the great features of a RIF.

Up to [[GIC_RIF.RATE.MAX]]^†

Interest rate

Monthly fee

Call 1-888-826-4374

Great rate

Our rates are among the best around.

No unfair† fees or service charges

We simply don’t believe in unfair fees. So you won’t have to pay to save with us.

What’s a RIF?

With a Tangerine RIF Savings Account, you can draw the retirement income you need while enjoying the benefits of our Tangerine Savings Account.

RIF withdrawals and taxes

Interest earned in your RIF isn't taxed. You’ll have to pay income taxes on the mandatory minimum RIF Payment Amounts you’ll receive every year. You can make withdrawals on top of your minimum RIF Payment Amounts, which will be subject to government withholding taxes in addition to income taxes.

Current GIC interest rates

Current interest rates as of today's date.

Term	Rate
90 Day	[[GIC_RIF.RATE.90_DAY]]^†
180 Day	[[GIC_RIF.RATE.180_DAY]]^†
270 Day	[[GIC_RIF.RATE.270_DAY]]^†
1 Year	[[GIC_RIF.RATE.1_YEAR]]^†
1.5 Year	[[GIC_RIF.RATE.1.5_YEAR]]^†
2 Year	[[GIC_RIF.RATE.2_YEAR]]^†
3 Year	[[GIC_RIF.RATE.3_YEAR]]^†
4 Year	[[GIC_RIF.RATE.4_YEAR]]^†
5 Year	[[GIC_RIF.RATE.5_YEAR]]^†

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Join with our app

Become a Client completely digitally with our Mobile Banking app³. Sign up without leaving your home or having to call us—it’s a fast, convenient and secure mobile experience.

Don’t have our Mobile Banking app³ yet? Download it today, so you can bank easily from anywhere.

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43,000 Reviews⁴

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Take a look at our other products

RSP Guaranteed Investing

Protect your retirement savings with the guaranteed growth of a GIC combined with the tax benefits of an RSP.

Tax-Free Guranteed Investment

A safe, secure, tax-free way to earn great interest.

^{^}Fair fees mean they are disclosed and agreed to in advance, and the amount makes sense relative to the benefit received. Registered Accounts have no fees while your funds are with us. If at some point you decide to transfer your funds to another financial institution, a fee will apply. View the complete list of Account fees.

^† Savings Account, Chequing Account, and GIC interest rates expressed on this website are annual interest rates and are current as of today's date. Interest rates are subject to change without notice. Interest is calculated daily and paid monthly on our Savings and Chequing Accounts. GIC terms of one year or longer have interest calculated on the basis of 365/366 days and compounded and/or paid annually. GIC terms of less than one year have interest calculated on the basis of 365/366 and paid at maturity.

³ Some conditions may apply. Service is subject to availability and successful digital verification.

⁴ As of March 2025 from the Google Play Store and App Store.

^® App Store is a registered trademark of Apple Inc., registered in the U.S. and other countries.

^™ Google Play is a trademark of Google LLC.