Retirement Income Fund (RIF)
A Retirement Income Fund (RIF) is designed to provide you with a steady stream of income during your retirement years.

Retirement Income Fund (RIF)

When your finances are in order, retirement is truly something you can look forward to. And that’s where a Retirement Income Fund (RIF) comes in. It’s designed to provide you with a steady source of income during your golden years so you can kick back and relax.

How RIFs Work


Prior to December 31 of your 71st birthday year, you’ll be required to transfer your RSPs into a RIF. Like an RSP, taxes will continue to be deferred in your RIF until the money is paid out to you in the form of automated monthly payments. To see what your monthly payments might look like based on your savings and schedule, check out our handy RIF Calculator.


If you have any questions or need a hand setting up your RIF, our knowledgeable staff is happy to help.

Deposits and interest are 100% guaranteed by the Credit Union Deposit Guarantee Corporation and the Province of Alberta. This means both the money you put in and the interest earned are safe and secure - up to any dollar amount!

Featured RIF-Eligible Term Deposits  

Keep your money safe and secure with great rates and flexible options.
1 Yr Non-Redeemable

Interest Rate

3 Yr Non-Redeemable

Interest Rate

5 Yr Non-Redeemable

Interest Rate

*Rates subject to change.
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