CDIC deposit insurance: categories and coverage limits
CDIC protects eligible deposits at member institutions. The limit applies separately by insurance category and member institution, including principal and interest.
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- Coverage limit
- $100,000 per category per member institution, including principal and interest.CDIC, deposit insurance coverage
- Eligible categories
- Individual, joint, RRSP, RRIF, TFSA, RDSP, RESP, FHSA and trust deposits.CDIC, deposit insurance coverage
Separate categories and member institutions
CDIC insures eligible deposits separately up to $100,000 in each category at each member institution, including principal and interest. The categories are deposits held in one name, jointly, in an RRSP, RRIF, TFSA, RDSP, RESP or FHSA, and in trust. CDIC, deposit insurance coverage (opens in a new tab).
An account label does not insure every investment
CDIC coverage applies to eligible deposits. Stocks, bonds, mutual funds, exchange-traded funds and cryptocurrencies are not covered. Holding an investment inside a registered account does not make it an insured deposit. This general explanation does not establish coverage for a particular holding or institution. CDIC, deposit insurance coverage (opens in a new tab).