Registered Retirement Income Fund

If you need to draw retirement income but still want to grow your investment, a RRIF could be the right product for you!

RRIFs allow you to make withdrawals* as you need them AND earn interest on any dollars left in the fund. You get the income you need now and keep growing your money for later.

RRIF plan minimum amount is $5,000 per contract (may include a combination of variable and/or fixed-term investments). We offer competitive interest rates and monthly, quarterly, semi-annual, or annual payment options.

Choose from these flexible investing options:


Guaranteed Fixed Term

  • One- to seven-year terms, non-redeemable/non-transferable prior to maturity
  • One-year redeemable term option**
  • Interest compounded annually on the anniversary date
  • $500 minimum deposit

Variable RRIF

  • No minimum deposit required
  • Redeemable/transferable at any time
  • Interest calculated on daily closing balance
  • Interest compounded annually on December 31st

Flexi Plus RRIF

  • No minimum deposit required
  • Transferable within Crosstown Civic Credit Union to a one-year or longer-term RRIF anytime
  • Non-redeemable/non-transferable within one year of last deposit, including any deposit of funds transferred from a maturing fixed RRIF (see your CCCU advisor for details)
  • Interest calculated on daily closing balance
  • Interest compounded annually on December 31st

PLUS all deposits are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba.

Don’t just survive retirement – enjoy it. Convert your RRSP savings into retirement income with a Registered Retirement Income Fund (RRIF). Contact your local CCCU advisor to learn more about how you can get more from your money.

*Minimum withdrawals in accordance with legislation and may be subject to withholding tax.
**No interest will be paid if redeemed in the first 90 days.


Investment Calculators

Interest Rates

ONLINE BANKING PASSWORD CHANGES: Some members may be asked to change their PAC (password) when logging into online banking. Find out more.
Protect yourself and others. Effective Monday, September 28, members and staff are now required to wear a mask in all branches with some exceptions in accordance with the Public Health Order. Find out more.