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A young couple hugging and smiling, excited about the 90-day RRSP GIC Offer at Northern Birch

Put the power of investing to work

Look forward to a financially healthy retirement by taking advantage of our Special 90-day RRSP GIC* and earn 5%.

Get Started Today

Special 90-Day RRSP GIC for Northern Birch Members

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Earn 5% Interest for 90 Days

Jumpstart your retirement savings by taking advantage of Northern Birch’s special 90-day RRSP GIC. Make your 2024 RRSP deposit between January 1 and March 3, 2025.

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Watch Your Savings Grow

Make your money work for you. Take advantage of compounding interest and generate higher returns.

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Invest Confidently

Our 90-day RRSP GIC is worry-free. With a guaranteed rate of 5% it is fully insured through the Financial Service Regulatory Authority of Ontario (FSRA).

Call today to make your contribution

Call Us Today

*View terms and conditions.

Make the power of investing work for 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 2024 tax-year is the lower of 18% of your earned income from the previous year, or $31,560.

Members are responsible for knowing their own annual contribution limits.

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Making regular contributions to your RRSP can help reduce the amount of tax you owe, especially during your higher-income earning years.

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RRSPs are flexible and withdrawals can be made at any time. Borrow from your RRSP without penalty using specific programs to help fund your education (Lifelong Learning Plan) or to buy your first home (Home Buyers’ Plan).

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You can choose from many different types of investment products within an RRSP account, such as Term deposits, mutual funds, stocks and bonds.

Explore our RRSP-GIC Tools & Resources

Calculate Your Retirement Savings

Use our retirement calculator to estimate how much you could save for your future.


The Credit Union
Difference

Not a Member?

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.

  • High-interest specials like the 90-day RRSP GIC
  • Low-fee chequing and savings accounts and competitive interest rates on deposits 
  • Personalized financial advice to help you make informed decisions and achieve your financial goals with confidence
  • Competitive borrowing interest rates and mortgages tailored to suit your unique needs
Discover your Northern Birch Credit Union.
Start here

Helping You Plan Ahead

Learn how to maximize your RRSP investments with helpful tips and resources from Northern Birch.

2024 RRSP Contribution

Explore the advantages of opening an RRSP.

Investment Options

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.

 

Our Locations

For Toronto branches call 416-465-4659 or 416-922-2551
Toll-free: 1 866-844-3828

Tartu College Branch

CASHLESS branch
ATM open during business hours

310 Bloor St. W.
Toronto, ON, M5S 1W4

Hours:
Monday - Friday: 10 am - 3 pm

Contact

Latvian Centre Branch

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

Contact

Hamilton Branch

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: 10 am - 1 pm

Contact

Branch hours are subject to change. View our latest branch hours

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Your deposits are protected.

Eligible deposits in registered accounts have unlimited coverage through the FSRA.

*Must be an approved member of Northern Birch Credit Union. 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 into a Northern Birch Credit Union RRSP. Minimum deposit amount of $100. Deposit must be made between January 1, 2025 and March 3, 2025. Member is responsible for knowing their annual RRSP contribution/carry-over amount.

Northern Birch Credit Union may reimburse member $25 for transfer fees up to $25,000 from an RRSP held at another institution into an RRSP at Northern Birch Credit Union; $50 for a transfer of $25,001 and above. Reimbursement will be made to an active Northern Birch Credit Union Chequing or Savings account. Interest rate for RRSP GIC is calculated per annum and paid out at maturity. Rate subject to change at any time without notice.