Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]

Term Savings

Quick facts

  • Main feature: capital 100% guaranteed
  • Terms: 1 to 5 years (online), 30 days to 10 years (1-800-CAISSES or in caisse)
  • Interest rate: 0.90% to 1.85% (fixed, guaranteed until maturity)
  • Redemption terms: cashable before maturity under certain conditions1
Get this product 10 reasons to choose Desjardins

Who should get this investment?

Savers who want regular income. Ideal if you want to make your savings earn interest while protecting your money from interest rate fluctuations.

Features

Interest rate
  • Fixed.
  • Based on the term selected.
  • Guaranteed for the duration of the term2.
See current rates
Eligible for these plans
  • Registered plans: TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF, LIF and RDSP.
  • Non-registered plans.
Minimum deposit
  • $500 in a registered plan.
  • $1,000 in a non-registered investment .
  • $5,000 if the investment term is under 1 year.
  • $1,000 if the 20-month convertible term savings is selected.
Returns
Ensures a high return on your savings.
Other
  • Also available in U.S. dollars. Deposits in U.S. currency are not insured by the Autorité des marchés financiers or by the Deposit Insurance Corporation of Ontario.
  • Desjardins caisses in Quebec are registered with the Autorité des marchés financiers, in conformity with the terms of the Deposit Insurance Act. In Ontario, deposits in registered savings plans are insured for their total amount by the Deposit Insurance Corporation of Ontario. Other deposits in Canadian dollars are insured up to $100,000. Find out more about deposit insurance.
  • Eligible for potential member dividends. Find out more about member dividends.
  • Savings-Life Insurance available.

Calculate

How much will your investment be worth at maturity?

How to get this product
Online  Online
(Members who use AccèsD Affaires)
After logging on, click on the Cash management tab, then Investment purchase.

Log on to AccèsD Affaires

 Guaranteed 100% Secure
By phone By phone
(Members)
1-877-ACCESD A (1-877-222-3732)
At the caisse At the caisse
Make an appointment with a caisse advisor:
At a Desjardins Business Centre At a Desjardins Business Centre
Make an appointment with an account manager at a Desjardins Business Centre.

1. Only on redeemable term savings with a rate adjustment.
2. If investment is held until maturity.

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Interest rates

Term Savings
As of February 10, 2012
Term
Rate
1 year
0.90%
3 years
1.40%
5 years
1.85%
Minimum deposit: $1,000 (outside of RRSP)
Other terms

Publications