Registered products
Choose a fixed or variable interest rate on eligible registered products, including term deposits and variable‑rate savings accounts. Deposits guaranteed 100% by the Deposit Guarantee Corporation of Manitoba.
RRSP/LIRA/RRIF/LRIF
Your registered plan—whether RRSP, LIRA, RRIF, or LRIF—can earn either a fixed or variable interest rate. What never changes is the peace of mind that all deposits are guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.
Rates were last updated February 4, 2026
| RRSP/LIRA/RRIF/LRIF variable savings account |
Rates |
| $0 - $99,999 |
1.55% |
| $100,000 - $249,999 |
1.55% |
| $250,000 and over |
1.55% |
*Interest is calculated on the daily closing balance and paid monthly.
| RRSP/LIRA/RRIF/LRIF Non-redeemable GIC (annually) |
Rates |
| 1-year |
3.40% |
| 2-year |
3.60% |
| 3-year |
3.60% |
| 4-year |
3.65% |
| 5-year |
3.70% |
*Minimum deposit $500.
*Interest is paid annually on anniversary date/at maturity.
TFSA rates
Your Tax Free Savings Account (TFSA) offers you the choice of an interest rate that's fixed or variable. One thing that never varies; all deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.
Rates were last updated February 4, 2026
| TFSA variable savings account |
Rate |
| $0 - $99,999 |
1.55% |
| $100,000 - $249,999 |
1.55% |
| $250,000 and over |
1.55% |
*Interest is calculated on the daily closing balance and paid monthly.
| TFSA Non-redeemable GIC (annually) |
Rates |
| 1-year |
3.40% |
| 2-year |
3.60% |
| 3-year |
3.60% |
| 4-year |
3.65% |
| 5-year |
3.70% |
*Minimum deposit $1,000
*Interest is paid annually on anniversary date/at maturity.
| Redeemable GIC |
Rate |
| 1-year redeemable GIC |
2.90% |
*Minimum deposit $1,000.
*Interest is paid at maturity or time of redemption.
*Penalty applies if redeemed early. Convertible to a long term GIC without penalty. No partial withdrawals.
FHSA rates
Your First Home Savings Account (FHSA) lets you grow your savings with either a fixed or variable interest rate. No matter which option you choose, every deposit is fully guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.
Rates were last updated February 4, 2026
| FHSA variable rate account |
Rate |
| $0 - $99,999 |
1.55% |
| $100,000 - $249,999 |
1.55% |
| $250,000 and over |
1.55% |
*Interest is calculated on the daily closing balance and paid monthly.
| FHSA Non-redeemable GIC (annually) |
Rates |
| 1-year |
3.40% |
| 2-year |
3.60% |
| 3-year |
3.60% |
| 4-year |
3.65% |
| 5-year |
3.70% |
*Minimum deposit $1,000.
*Interest is paid annually on anniversary date/at maturity.
