← All terms
Tax and Accounts

CDIC Coverage Categories

The seven separate insured deposit categories at CDIC member institutions, each covered up to $100,000.

Definition

CDIC insures eligible deposits (savings accounts, chequing accounts, GICs with a term of 5 years or less, and foreign-currency deposits) at member banks, trust companies, and loan companies up to $100,000 per insured category per member institution. The seven categories are: (1) deposits in your own name, (2) deposits held in an RRSP, (3) deposits held in an RRIF, (4) deposits held in a TFSA, (5) deposits held in an FHSA, (6) deposits held in trust for others, and (7) deposits in a registered education savings plan (RESP). Because each category is insured separately, a depositor with accounts in all seven categories at a single CDIC member could receive protection on up to $700,000 in total. CDIC does NOT insure mutual funds, stocks, bonds, crypto, or GICs with terms exceeding 5 years. Since April 30, 2020, foreign-currency deposits have been eligible for coverage (previously excluded). Verification: cdic.ca publishes the current coverage list.

Source

Canada Deposit Insurance Corporation Act; CDIC Deposit Protection Information (cdic.ca); Budget 2020 amendments

Related terms in Tax and Accounts

AI case study

See how CDIC Coverage Categories applies in practice

One named-role scenario with realistic numbers and the rule citation.

Want this kind of explanation on every wrong answer?

The Ciroexam AI tutor is grounded in the same primary sources cited above. Every wrong practice answer gets the rule that the distractor was testing.