RRSP Loans

It pays to borrow with our RRSP loans. Our RRSP Top-Up loan gives you preferred rates. Defer your first payment up to 3 months while you wait for your return to come back and apply it directly back to the loan. And our 1-year RRSP Loan gives you rates as low as Prime Lending Rate minus 0.40%*.

Both are fast, easy and efficient ways to take advantage of tax savings. Whether you are looking to catch up on unused RSP contribution room from previous years or to maximize your annual contribution, Kootenay Savings has flexible loan features to suit your needs.

  • Interest rate options from as low as Prime Lending Rate minus 0.40%
  • Delay payments for up to 3 months
  • Repay whole or part of the loan at any time with no penalty
  • Instant tax receipts available


*Rate available only to loans taken with life and disability insurance. Regular rates apply without.