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Regular Deposit Term Savings

Quick facts

Main feature: capital 100% guaranteed
Terms: 1 to 5 years
Interest rate: 0.40% to 2.10% (fixed, guaranteed until maturity)
Withdrawal: redeemable in full without penalty on the 3rd and 4th anniversary dates of the deposit, under certain conditions

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Who should get this investment?

Savers who want to accumulate capital by making regular automatic deposits to a term savings account for a predetermined time period. Ideal if you want to put aside money on a regular basis to help you carry out your projects or spread out your RRSP contribution over the entire year.

Features


Interest rate	Guaranteed until maturity. See current rates

Eligible for these plans	Registered plans: TFSA, RRSP, FTA, LIRA, locked-in RRSP, RRIF and LIF. Non-registered plans.

Minimum savings objective	$1,200 for 1-year term. $3,000 for other terms.

Deposit amount and frequency	Flexible. Can be changed at any time. Frequency of transfers: weekly, every 2 weeks, twice a month or monthly.

Conversion	May be converted to a downpayment on a house at any time when the mortgage is obtained from your caisse.

Other	Deposits insured up to $100,000 per person per caisse. In Ontario, Canadian dollar deposits are insured up to $100,000 by the Deposit Insurance Corporation of Ontario. Find out more about deposit insurance (FAQ). Eligible for potential member dividends. Find out more about member dividends. Savings-Life Insurance available.

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	Online (Members)	Fill out the form


	By phone (Members)	Montreal area: 514-522-2373 Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)


	At the caisse	Make an appointment with a caisse advisor: online by phone