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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.

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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.

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Tax Advantages

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

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Flexible Savings Options

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

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Security You Can Count On

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

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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
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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

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
TermRate
1 Year4.25%
2 Years4.00%
3 Years4.15%
4 Years4.20%
5 Years4.30%

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 detailsRRSPFHSATFSA
Best forSaving for retirementSaving for your first homeSaving for retirement, big purchases, and emergency fund
Tax benefitsContributions 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 roomUp 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.

HOW IT WORKS

How RRSPs Work

01

Sign up at Haventree Bank
Open a fee-free Everyday Growth Account.

02

Open an RRSP Account
Choose an RRSP Savings Account and add funds.

03

Purchase a GIC (Optional)
Within the RRSP savings account you can purchase a registered GIC with funds in the savings account.

04

Benefit from Tax Deferral
Investment earnings grow tax-deferred while they remain within your RRSP.

05

Use Funds in Retirement
Withdraw funds in retirement, when many Canadians are in a lower tax bracket.
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Download the Haventree Bank App

Clients can explore Haventree Banks's new mobile app, available today on iOS and Android.

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WHAT’S NEXT

Retirement Savings Made Simple

Haventree Bank offers RRSP solutions designed around security, simplicity, and competitive returns.