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Earn 5.00%* interest on our 90-day RRSP GIC.
Plus, get up to $3,000 cash back when you bring new RRSP funds or transfer an RRSP to Northern Birch before March 2, 2026.**
Deposit your 2025 RRSP contribution into our 90-day RRSP GIC before March 2, 2026 and earn.*
Get up to $3,000 cash back when you bring new RRSP funds or transfer an RRSP to Northern Birch before March 2, 2026.**
Our Wealth team is here to help you.
100% of RRSP earnings can be compounded and re-invested, which can increase your savings rapidly over the years, tax-free. Your allowable RRSP contribution for the 2025 tax-year is the lower of 18% of your earned income from the previous year, or $32,490.
Members are responsible for knowing their own annual contribution limits.
Mutual funds and other securities are offered through Aviso Wealth. Qtrade direct Investing and Aviso Wealth are divisions of Aviso Financial Inc. Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.
Use our retirement calculator to estimate how much you could save for your future.
Join Northern Birch Credit Union and enjoy personalized financial solutions, competitive rates, and the support of a community-focused institution dedicated to helping our members thrive.
Learn how to maximize your RRSP investments with helpful tips and resources from Northern Birch.
Explore the advantages of opening an RRSP.
RRSPs are just one tool to help you save for the future. Make the power of investing work for you by exploring the different investment products Northern Birch offers.
For Toronto branches call 416-465-4659 or 416-922-2551
Toll-free: 1-866-844-3828
CASHLESS branch
ATM open during business hours
310 Bloor St. W.
Toronto, ON, M5S 1W4
Hours:
Monday - Friday: 10 am - 3 pm
4 Credit Union Dr.
North York, ON, M4A 2N8
Hours:
Monday: 10 am - 3 pm
Tuesday: 10 am - 3 pm
Wednesday: 10 am - 3 pm
Thursday: 10 am - 7 pm
Friday: 10 am - 3 pm
Saturday: 9 am - 1 pm
16 Queen St. N.
Hamilton, ON, L8R 2T8
Tel: 905-527-4344
Hours:
Monday: Closed
Tuesday: 10 am - 3 pm
Wednesday: 10 am - 3 pm
Thursday: 10 am - 7 pm
Friday: 10 am - 3 pm
Saturday: By appointment
Branch hours are subject to change. View our latest branch hours
Eligible deposits in registered accounts have unlimited coverage through the FSRA.
90-Day RRSP GIC Special:
*Minimum deposit amount of $100. Must be an approved member of Northern Birch Credit Union. Deposit must be made between January 1, 2026 and March 2, 2026. 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 without notice.
New contributions, made during the Promo period, into a member’s RRSP account held at Northern Birch Credit Union from an account at Northern Birch Credit Union, excluding contributions made on a regular interval basis, qualify for the RRSP Promo interest rate.
RRSP 1.00% Cash Back Offer:
**Offer available for Northern Birch Credit Union RRSP contract holders depositing new funds into their RRSP or RRSP funds that are transferred to Northern Birch from another financial institution or members of Northern Birch Credit Union transferring their RRSP or RRSP funds held elsewhere to an RRSP opened at Northern Birch Credit Union. Deposit must be made between January 1, 2026 and March 2, 2026.
For the purpose of this RRSP Cash Back Promotion, “new money/funds” refers to eligible RRSP funds that are newly deposited to Northern Birch Credit Union and were not held with us prior to the start of the promotion.
We will provide a cash bonus of 1.00% of one-time deposit amounts of $10,000 or more coming from another financial institution, up to a maximum cash bonus of $3,000. Transfer must be made into a new or existing Northern Birch Credit Union RRSP product. Full deposit amount must remain in the RRSP at Northern Birch Credit Union until September 30th, 2026. Deposit of cash bonus will be made to an active Northern Birch Credit Union chequing or savings account after September 30th, 2026. Code CASHBACKRRSP2026 must be mentioned at time of deposit to take advantage of the 1.00% cash bonus offer. Additionally, your starting cash balance as of the promotion start date will be used as the reference point to determine eligibility.
***Northern Birch Credit Union may reimburse members up to $125 for transfer fees on transfers of RRSPs held at another institution. Reimbursement will be made to an active Northern Birch Credit Union chequing or savings account. We may require proof of the fee charged from the transferring financial institution.
