Diversified Term Savings

Term savings whose initial capital is divided into three or five separate amounts, each invested for a different term (1 to 3 or 1 to 5 years).

Funds may be cashed in or reinvested at each maturity date. Longer terms generally earn higher rates of interest.

Features

  • Minimum amount: $3,000.
  • 3- and 5-year terms.
  • Interest rates are guaranteed until maturity. See rates
  • A variety of interest payment options.

Advantages

  • Capital is 100% guaranteed.
  • Ensures high returns.
  • Access to part of the invested capital each year.
  • Maturity dates are spread out, making it possible to benefit from changing interest rates.
  • Eligible for RRSPs and other retirement savings plans.
  • Entitles you to potential member dividends from your caisse.
How to get this product
By phone By phone
(Members)
Montreal area: 514-522-2373
Elsewhere in Canada and the US: 1-800-CAISSES (1-800-224-7737)
At the caisse At the caisse
(Members and non-members)
Make an appointment with a caisse advisor:

Interest rates

Diversified Term Savings
As of August 29, 2008
Term
Rate
1 year
2.25%
3 years
2.85%
5 years
3.20%
Minimum deposit: $1,000
Other terms

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