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Member dividends

Member dividends are a reflection of our cooperative nature and one of the advantages of being a caisse member. They're amounts paid out to members under certain conditions. There are 2 of categories of member dividends: product dividends and volume dividends.

How do member dividends work?

Product dividends

The maximum amount of your product dividend is $50. To qualify, you must have had at least 1 eligible product throughout the last year in each of the following 4 product lines:

  1. Accounts
  2. Loans, lines of credit and credit cards
  3. Savings and investments
  4. Insurance

If you're 30 or under

All you need is 1 eligible product in 3 of the 4 product lines to qualify for the product dividend.

Volume dividends

Your volume dividend is a personalized amount based on your business volume (rate per $1,000 in volume) in each of the following 4 product lines, based on the rates decided by vote at the annual general meeting:

  • Accounts: $0.63 / $1,000 in volume
  • Loans, lines of credit and credit cards: $0.63 / $1,000 in volume
  • Savings and investments: $0.63 / $1,000 in volume
  • Insurance $23 / $1,000 in premiums