Registered Retirement Savings Plan. Earn 2.50%* interest.

Cut your tax bill, boost your savings, and build a stronger retirement. Choose from our high-interest registered savings account or lock in your rate with a registered GIC.

haventree bank

Why Choose a Haventree RRSP?

Save for retirement while getting a tax break today. Your money has the opportunity to grow over time, and you only pay tax when you take it out later, typically in retirement.

Tax Advantages

Contributions reduce your taxable income, while investment earnings grow tax-deferred until withdrawal.

Flexible Savings Options

Choose an RRSP Savings Account, RRSP GICs, or combine both to create a retirement strategy that works for you.

Security You Can Count On

With guaranteed savings options and deposit protection through CDIC, you can save for retirement with confidence.

Simple Digital Experience

Open and manage your registered accounts online with ease.

Product Features

Registered Retirement Savings Plan

Find the RRSP That's Right for You

RRSP Savings Account

Save for retirement. Move your RRSP when you need. High Interest savings and flexibility. Our RRSP Savings Account combines registered tax advantages with the flexibility of a high-interest savings account.

Open an RRSP Savings Account

Best for

Canadians who want flexibility while earning interest on their retirement savings.

Features

Tax-deferred growth
Tax refunds
Earn 2.50%* interest on every dollar
No monthly account fees
Ideal for ongoing contributions and short-term retirement goals

Guaranteed Investment

RRSP GICs

Lock in a guaranteed rate and watch your retirement savings grow with confidence. Haventree RRSP GICs provide guaranteed returns over your chosen term, helping you plan for the future with certainty.

Learn More on GICs

Term	Rate
1 Year	4.25%
2 Years	4.00%
3 Years	4.15%
4 Years	4.20%
5 Years	4.30%

Shorter terms are also available. See terms and conditions*.

Best for

Investors seeking predictable growth, higher interest than savings accounts, and capital preservation.

Features

Guaranteed rate for the full term
Competitive interest rates
No exposure to market fluctuations
Terms to suit your savings horizon
Eligible deposits covered by CDIC insurance, within applicable limits

Find the right account for your goals

Compare registered savings options for every stage of life.

Find the right account for your goals
Account details	RRSP	FHSA	TFSA
Best for	Saving for retirement	Saving for your first home	Saving for retirement, big purchases, and emergency fund
Tax benefits	Contributions are deductible from taxable income.	Contributions are tax deductible. Qualifying withdrawals for first home are tax-free.	Growth within account are tax free at withdrawal.
Choose this if...	You want to build long-term retirement savings and reduce your taxable income.	You're a first-time home buyer and want the tax advantages while saving for a home.	You want flexible savings with tax-free growth and withdrawals.
Contribution room	Up to 18% of previous year's earned income, subject to the annual limit.	$8,000 per year, up to $40,000 lifetime.	$7,000 annual limit in 2026, plus unused room carried forward.