OFFER

Dream. It will come true.

Dreaming of a worry-free retirement, but wanting to live life to the fullest now?

Enjoy life before and after retirement with a savings plan that combines the benefits of an RRSP and a TFSA.

Our savings products offer competitive rates to keep your retirement savings on course.

For more details, see the RRSP-TFSA brochure or watch the video "RRSPs Made Easy".


Discover our special offers

20-month term savings Get a rate of 1.65%1
37-month term savings Get a rate of 1,70%2
3-year Term S@vings Get a rate of 1.70%3
Only available on AccèsD Internet and mobile
Acquire online


RRSP vs. TFSA

RRSPs: Save for retirement TFSAs: Save for a specific goal
The RRSP is a registered savings plan that offers tax benefits. It helps you save money since the earnings are tax-deferred until you withdraw the funds. It is useful, for example:
  • saving for retirement
  • buying or building your first home
  • financing your education
A TFSA is a registered savings plan that allows you to put money aside tax-free to reach short-term goals throughout your life. It is useful for:
  • renovating your home
  • buying a car
  • starting a business
  • taking a trip
  • saving for retirement

 

How do they stack up?

  RRSP TFSA
Contribution deadline As of January 1 for a fiscal year and during the first 60 days of the following year January 1 to December 31 of current year
Age limit The year of your 71st birthday No
Contribution amount 18% of income earned the preceding year, up to $26,010 in 2017 and $26,230 in 2018 Annual maximum:
  • 2009 to 2012: $5,000
  • 2013 and 2014: $5,500
  • 2015: $10,000
  • Since 2016: $5,500
Are contributions income tax deductible? Yes No
Withdrawals Taxable Non-taxable
Investment income Taxable when withdrawal at retirement Non-taxable
Unused contribution room The unused portion of your maximum annual amount deductible since 1991 The unused portion of your maximum allowable contributions since 2009
Excess contributions Up to $2,000 above the maximum allowable annual contribution Not allowed
Impact of withdrawals on benefits from social programs Added to taxable income. None
Do withdrawals increase contribution room? No Yes, equal to the amount withdrawn and added to the contribution room for the following year.
Are spousal contributions allowed? Yes. The contributing spouse claims the tax deduction even if he or she is not the beneficiary. No. However, money you give your spouse to contribute to a TFSA is not subject to attribution rules.

 

  1. Minimum investment: C$1,000 This offer applies to an investment in 20-month non-redeemable, non-convertible term savings with a fixed rate of 1.65%. The investment must be made in an RRSP, a TFSA, a LIRA or a Caisse populaire acadienne Ltée (now known as UNI Financial Cooperation) non-registered investment product. These rates are subject to change without notice. The annual compound interest is calculated daily and paid at maturity. Deposits insured under the terms established by the Canada Deposit Insurance Corporation. Visit www.cdic.ca to learn more. This offer may be withdrawn at any time. All details and conditions available at a caisse.
  2. Minimum investment: C$1,000 This offer applies to an investment in 37-month non-redeemable, non-convertible term savings with a fixed rate of 1.70%. The investment must be made in an RRSP, a TFSA, a LIRA or a Caisse populaire acadienne Ltée (now known as UNI Financial Cooperation) non-registered investment product. These rates are subject to change without notice. The annual compound interest is calculated daily and paid at maturity. Deposits insured under the terms established by the Canada Deposit Insurance Corporation. Visit www.cdic.ca to learn more. This offer may be withdrawn at any time. All details and conditions available at a caisse.
  3. The minimum investment required is C$500 for registered plans and C$1,000 for non-registered plans. This offer applies only to Term S@vings of 3 years, a product that is only available on AccèsD Internet and mobile, through the Caisse populaire acadienne Ltée (hereinafter "UNI Coopération financière") at a fixed rate of 1.70%. Not redeemable before maturity. The investment must be made in an RRSP, a TFSA, a LIRA or a non-registered investment product. Rate subject to change without notice. Interest paid monthly, annually or at maturity for Fixed-Rate. Deposits insured under the terms established by the Canada Deposit Insurance Corporation. Visit www.cdic.ca to learn more. This offer may be withdrawn at any time. All details and conditions available at a caisse.