Skip to main content

Invest Wisely, Live Confidently. 

Earn 6.5% With Our Special 90-Day RRSP GIC*

Get Started

90-day RRSP GIC

Earn 6.5% With Our Special 90-Day RRSP GIC*

Deposit your 2023 RRSP contribution into our special RRSP GIC and receive 6.5% interest for 90 days. We’ll also cover a portion of your transfer fees when you bring an RRSP to Northern Birch from another financial institution*!

Deposit by February 29th, 2024.


Call us today to make your deposit or open a Northern Birch RRSP plan.

Enjoy the Benefits of an RRSP

A Registered Retirement Savings Plan (RRSP) will help you retire comfortably. Contributions and interest earned are tax exempt, as long as they remain in the plan.


Lower your tax

Regular contributions to your RRSP will reduce the tax you owe, especially during your higher income years.

Earn money faster

Earn money faster and accumulate investment returns tax-free. 100% of RRSP earnings can be compounded and re-invested, which increases your savings rapidly over the years.

Borrow from your RRSP

Borrow from your RRSP without penalty to purchase your first home or help fund your education

Take advantage of investment products

Multiple investment products are available within an RRSP account – Term deposits, mutual funds, stocks and bonds included.

Your allowable RRSP contribution for the 2023 tax-year is the lower of 18% of your earned income from the previous year, or $30,780*.

Get Started

Features of the special

  • Minimum deposit is $100.
  • Your deposit immediately qualifies for RRSP contribution receipt for 2023 tax year
  • Income earned in the RRSP GIC is tax-sheltered
  • You can transfer in an RRSP plan to Northern Birch from another financial institution and we will cover a portion of transfer fees.
  • After 90 days, upon maturity of the 90-Day RRSP GIC, multiple investment products are available to you at Northern Birch, including variable RRSP, GIC’s, mutual funds, guided portfolios or direct investing with Qtrade to avoid transfer-out fees.

Speak to our investment specialists for more information and help with growing your investment.

The last day to make contributions under this promo offer is February 29th, 2024.

*Mutual funds are offered through Credential Asset Management Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and/or trademarks of Aviso Wealth.

Ready to put the power of investing to work for you?


See Our RRSP Rates


When Should I Retire?

Calculate Now

Select ImageSelect ImageSelect Image

Knowing Your RRSP Options

Learn more about your RRSP options to help you prepare for the future.

Our Locations

Tartu College Branch

Cashless branch
ATM open during business hours
310 Bloor St. W.
Toronto, ON, M5S 1W4

Tel: 416-465-4659

Mon - Fri: 10am - 3pm
Sat: Closed


Latvian Centre Branch

4 Credit Union Dr.
North York, ON, M4A 2N8

Tel: 416-922-2551

Mon - Wed: 10am - 3pm
Thurs: 10am - 7pm
Friday: 10am - 3pm
Sat: 9am - 1pm


Hamilton Branch

16 Queen St. N.
Hamilton, ON, L8R 2T8

Tel: 905-527-4344

Mon - Wed: 10am - 3pm
Thurs: 10am - 7pm
Friday: 10am - 3pm
Sat: 10 am - 1 pm


Offer available for NBCU RRSP contract holders depositing new funds into their RRSP or RRSP funds that are transferred to NBCU from another financial institution. Minimum deposit amount of $100. Must be an approved member of Northern Birch Credit Union. Deposit must be made between January 1, 2024 and February 29, 2024. Member is responsible for knowing their annual RRSP contribution/carry-over amount. Interest rate is calculated per annum and paid out at maturity. Rate subject to change at any time. NBCU may reimburse member $25 for transfer fees up to $25,000 from an RRSP held at another institution; $50 for a transfer of $25,001 and above. Reimbursement will be made to an active NBCU Chequing or Savings account.