RSP RIF

Classic RSP Option - We provide access to your RSP Term Deposit funds.

All RSP term deposits with investment terms of 12 to 60 months, feature First Calgary Financial’s unique ‘Classic RSP Option’. This provides you with the flexibility to cash (redeem), without interest penalty, up to 20% of the original principal investment each year. Withholding tax and withdrawal fee applies.

A Variable RSP is like a tax-sheltered savings account. With this type of plan, you can change your investment choice or make a withdrawal at any time (subject to applicable fees and tax holdback).

Optimum Investment Builder RSP Term

Interest is paid annually at maturity. Fully convertible to any other First Calgary Financial term deposit of one year duration or greater at any time. Features First Calgary Financial’s unique ‘Classic Term Option’. This provides you with the flexibility to cash (redeem), without interest penalty, up to 20% of the original principal investment each year!

RSP - RIF Fixed Rate Plan (minimum deposit $2,000) (Rates effective 2016-03-08) Rates
30 to 59 Days 0.200%
60 to 89 Days 0.400%
90 to 119 Days 0.500%
120 to 179 Days 0.550%
180 to 269 Days 0.600%
270 to 364 Days 0.650%
RSP - RIF Fixed Rate Plan (minimum deposit $500) (Rates effective 2016-03-08) Rates
12 to 23 Months 0.900%
24 to 35 Months 1.100%
36 to 47 Months 1.150%
48 to 59 Months 1.300%
60 Months 1.500%
RSP - RIF Variable Rate Plan (Rates effective 2016-03-08) Rates
Variable Rate Plan 0.100%
Optimum Investment Builder RSP Term (minimum deposit $1,000) (Rates effective 2016-03-08) Rates
12 Months 0.900%
Step-Up 6PLUS6 Deposits (minimum deposit $500 - Redeemable) (Rates effective 2015-03-06) Rates
1st Period 0.650%
2nd Period 1.750%
Effective Rate 1.200%
Step-Up 9PLUS9 Deposits (minimum deposit $500 - Non-Redeemable) (Rates effective 2015-03-06) Rates
1st Period 0.690%
2nd Period 1.800%
Effective Rate 1.250%
Step-Up 18PLUS18 Deposits (minimum deposit $500 - Non-Redeemable) (Rates effective 2015-03-06) Rates
1st Period 0.660%
2nd Period 2.010%
Effective Rate 1.350%

All rates and products may change without notice, please contact any First Calgary Financial branch or our Contact Centre at (403) 520-8000 for more information. Step-Up™ products are RSP/RIF/TFSA eligible.