Rates - Personalized Annuity RRIF/LIF Term Savings

View the rates for registered retirement income fund (RRIF) and life income fund (LIF) Term Savings. They let you make sure you have income in retirement and maintain control of it.

Current rates on June 22, 2024

Minimum amount: $5,000

Personalized Annuity RRIF/LIF Term Savings

Term Interest rate
1 year 4.50%
2 years 4.25%
3 years 4.00%
4 years 4.00%
5 years 4.00%

Food for thought

The RRIF lets you convert all or some of your registered retirement savings plan (RRSP) to withdraw retirement income and set your own payment frequency and amount1.

Learn more about registered retirement income funds (RRIFs)

The LIF lets you convert your locked-in retirement account (LIRA) or locked-in RRSP to grow your investment tax free until withdrawal.

Learn more about See life income funds (LIFs)

Rates may change without notice. Certain conditions apply.

These rates are recommended by the Fédération des caisses Desjardins du Québec to its affiliated caisses.

  1. Subject to minimum withdrawal required under tax legislation.