RRSP Loans

*RRSP loans, with rates as low as prime, provides an opportunity for owners to maximize their RRSP contribution and to take advantage of maximum tax benefits today while providing for their future retirement.

Take advantage of unused carry-forward amounts or maximize your yearly contributions by borrowing and taking up to 15 years to repay. Any tax refund could be used to pay down loan balance, make next year's contribution early, or just for you to spend -- the choice is yours.


  • Terms from 12 months to 5 years.
  • 3-year renewal for fixed rate loans.
  • Invest in products available through Public Service Credit Union 
  • Credit life insurance is required. Optional disability insurance available.
  • Minimum payments apply.

*Loan is due in full if transfer or redemption of RRSP is requested.

*Fixed deposits remain for the duration of the term following repayment of the loan.

*All lending is subject to credit approval within normal credit guidelines.

The deadline for RRSP contributions is March 1st, 2019


RRSP Loan Rates
*Payment Quotes without Life and Disability Insurance


Now is the time to start planning for your future! Contribute to your RRSP today!!



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