Registered Retirement Savings Plan (RRSP) Rates

CIBC Current Prime Rate RDS%rate[1].PRIME.rate(null,null,null,null)(#O2#)% as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

Save for retirement with security and ease

CIBC RRSP Daily Interest Savings Account
Guarantee your principal and interest with complete access to your RRSP funds.

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Purchase or contribute to a CIBC RRSP Daily Interest Savings Account. Learn moreabout the CIBC RRSP Daily Interest Savings Account.

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The rates shown are for at-maturity interest payment options and may change without prior notice.

Rates as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

CIBC RRSP GIC (Non-Redeemable) ¹ Show or hide

The CIBC RRSP GIC (Non-Redeemable) provides security of guaranteed interest, plus full protection of your principal.

Learn moreLearn more about the CIBC RRSP, G I C Non-Redeemable

Term	Rate
2 to 4 months	RDS%rate[4].NON-REDEEMABLE.rate(2_-_4_Months_D,null,1,1)(#O3#)%
5 to 8 months	RDS%rate[4].NON-REDEEMABLE.rate(5_-_8_Months_D,null,1,1)(#O3#)%
9 to 10 months	RDS%rate[4].NON-REDEEMABLE.rate(9_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].NON-REDEEMABLE.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].NON-REDEEMABLE.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].NON-REDEEMABLE.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 25 months	RDS%rate[4].NON-REDEEMABLE.rate(23_-_25_Months_D,null,1,1)(#O3#)%
26 to 29 months	RDS%rate[4].NON-REDEEMABLE.rate(26_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].NON-REDEEMABLE.rate(30_-_34_Months_D,null,1,1)(#O3#)%
36 to 46 months	RDS%rate[4].NON-REDEEMABLE.rate(36_-_46_Months_D,null,1,1)(#O3#)%
47 to 49 months	RDS%rate[4].NON-REDEEMABLE.rate(47_-_49_Months_D,null,1,1)(#O3#)%
50 to 58 months	RDS%rate[4].NON-REDEEMABLE.rate(50_-_58_Months_D,null,1,1)(#O3#)%
60 months	RDS%rate[4].NON-REDEEMABLE.rate(60_-_60_Months_D,null,1,1)(#O3#)%

CIBC RRSP GIC (Redeemable) ¹ Show or hide

The CIBC RRSP GIC (Redeemable) guarantees your principal and interest, while giving you the option to cash out at any time, at specified early redemption rates.

Learn more Learn more about the CIBC RRSP, G I C Redeemable

Term	Rate
9 to 10 months	RDS%rate[4].REDEEMABLE.rate(9_-_10_Months_D,null,1,1)(#O3#)%
11 to 13 months	RDS%rate[4].REDEEMABLE.rate(11_-_13_Months_D,null,1,1)(#O3#)%
14 to 17 months	RDS%rate[4].REDEEMABLE.rate(14_-_17_Months_D,null,1,1)(#O3#)%
18 to 22 months	RDS%rate[4].REDEEMABLE.rate(18_-_22_Months_D,null,1,1)(#O3#)%
23 to 29 months	RDS%rate[4].REDEEMABLE.rate(23_-_29_Months_D,null,1,1)(#O3#)%
30 to 34 months	RDS%rate[4].REDEEMABLE.rate(30_-_34_Months_D,null,1,1)(#O3#)%
35 to 36 months	RDS%rate[4].REDEEMABLE.rate(35_-_36_Months_D,null,1,1)(#O3#)%

CIBC RRSP Daily Interest Savings Account ² Show or hide

Save for your retirement with security and ease. Guaranteed principal and interest. Complete access to your money.

Learn moreLearn more about the CIBC RRSP Daily Interest Savings Account

Balance	Rate
up to $4,999.99	RDS%rate[4].DISA.rate(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O3#)%
$5,000.00 to $24,999.99	RDS%rate[4].DISA.rate(null,5000.0_-_24999.99_CAD_Balance,1,1)(#O3#)%
$25,000.00 to $49,999.99	RDS%rate[4].DISA.rate(null,25000.0_-_49999.99_CAD_Balance,1,1)(#O3#)%
$50,000.00 to $99,999.99	RDS%rate[4].DISA.rate(null,50000.0_-_99999.99_CAD_Balance,1,1)(#O3#)%
$100,000.00 and over	RDS%rate[4].DISA.rate(null,100000.0_and over_0.0_CAD_Balance,1,1)(#O3#)%

CIBC Bonus Rate RRSP GIC ¹ Show or hide

The CIBC Bonus Rate RRSP GIC offers interest at a premium rate on selected terms and guarantees your principal.

Learn moreLearn more about the CIBC Bonus Rate RRSP, G I C

Term	Rate
1 year	RDS%rate[4].BONUSTERM.rate(1_null_null_Year_T,null,1,1)(#O3#)%
2 year	RDS%rate[4].BONUSTERM.rate(2_null_null_Year_T,null,1,1)(#O3#)%
5 year	RDS%rate[4].BONUSTERM.Published(5_null_null_Year_T,null,1,1)(#O3#)%

CIBC Escalating Rate RRSP GIC (3 year) ³ Show or hide

The CIBC Escalating Rate RRSP GIC offers guaranteed premium returns and rates that increase each year.

Learn moreLearn more about the 3 year CIBC Escalating Rate RRSP, G I C

Investment Amount	Year 1	Year 2	Year 3	Effective Yield
$500 to $999,999	RDS%rate[4].NCSTEPRATE.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].NCSTEPRATE.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].NCSTEPRATE.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].NCSTEPRATE.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Escalating Rate RRSP GIC (5 year) ³ Show or hide

The CIBC Escalating Rate RRSP GIC offers guaranteed premium returns and rates that increase each year.

Learn moreLearn more about the 5 year CIBC Escalating Rate RRSP, G I C

Investment Amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective Yield
$500 to $999,999	RDS%rate[4].RATE5NESC.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5NESC.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Cashable Escalating Rate RRSP GIC (3 year) ³ Show or hide

The CIBC Cashable Escalating Rate RRSP GIC offers guaranteed premium returns, rates that increase each year, and access to your money on each anniversary date or up to 7 days after.

Learn moreLearn more about the 3 year CIBC Cashable Escalating Rate RRSP, G I C

Investment Amount	Year 1	Year 2	Year 3	Effective Yield
$500 to $999,999	RDS%rate[4].RCSTEPRATE.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RCSTEPRATE.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RCSTEPRATE.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RCSTEPRATE.rate(null,500.0_-_999999.99_CAD_Balance,11,1)(#R#)%

CIBC Cashable Escalating Rate RRSP GIC (5 year) ³ Show or hide

The CIBC Cashable Escalating Rate RRSP GIC offers guaranteed premium returns, rates that increase each year, and access to your money on each anniversary date or up to 7 days after.

Learn moreLearn more about the 5 year CIBC Cashable Escalating Rate RRSP, G I C

Investment Amount	Year 1	Year 2	Year 3	Year 4	Year 5	Effective Yield
$500 to $999,999	RDS%rate[4].RATE5RESC.rate(1_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(2_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(3_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(4_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.rate(5_null_null_Year_T,500.0_-_999999.99_CAD_Balance,1,1)(#O3#)%	RDS%rate[4].RATE5RESC.Published(null,500.0_-_999999.99_CAD_Balance,11,1)(#O4#)%

CIBC Flexible RRSP GIC™ ⁴ Show or hide

The CIBC Flexible RRSP GIC guarantees your principal and interest, while giving you the option to change investment options without penalty, after 30 days.

Learn moreLearn more about the CIBC Flexible RRSP, G I C

Term Rate

1 year RDS%rate[4].FLEXI.rate(1_null_null_Year_T,null,1,1)(#O3#)%

Term	Rate
1 year	RDS%rate[4].FLEXI.rate(1_null_null_Year_T,null,1,1)(#O3#)%

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Terms and conditionsShow or hide

¹ The rates shown are for at-maturity interest payment option and may change without prior notice.

Interest rates quoted are annual rates. Rates are fixed for each GIC’s term. Rates are subject to change without prior notice.

Interest calculation: For terms of 1 year or less, simple interest is paid at maturity. For terms over 1 year, compound interest is calculated annually and paid at maturity.

Minimum deposit: $500.

If a GIC is redeemed before maturity to transfer funds to an RRSP at another financial institution, no interest will be paid and a transfer fee will apply.

² Interest is calculated on each day’s final balance and paid monthly. Your entire account balance earns the rate displayed for your balance’s highest tier.

³ The rates shown are for at-maturity interest payment option and may change without prior notice.

Interest rates quoted are annual rates. Rates are fixed for each GIC’s term. Rates are subject to change without prior notice.

Interest calculation: Interest is compounded annually and paid at maturity.

Minimum deposit: $500.

If a GIC is redeemed before maturity to transfer funds to an RRSP at another financial institution, no interest will be paid and a transfer fee will apply.

⁴ The rates shown are for at-maturity interest payment option and may change without prior notice.

Interest rates quoted are annual rates. Rates are fixed for each GIC’s term. Rates are subject to change without prior notice.

Interest calculation: Simple interest is paid at maturity.

Minimum deposit: $500.

If a GIC is redeemed before maturity to transfer funds to an RRSP at another financial institution, no interest will be paid and a transfer fee will apply.

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