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: 0.40% to 2.10% (fixe, garanti jusqu'à l'échéance)
  • Withdrawal: redeemable 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 and LIF.
  • Non-registered plans.
Minimum deposit
  • $500 in a TFSA or RRSP.
  • $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 (registered or non-registered).
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.
  • 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.

Calculate

How much will your investment be worth at maturity?

How to get this product
Online Online
(Members)
AccèsD Internet users:
  • Log on to AccèsD
  • Follow the instructions on the next page.

If you are not an AccèsD Internet user, fill out the form
 Guaranteed 100% Secure
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
Make an appointment with a caisse advisor:

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

Interest rates

Term Savings
As of November 21, 2009
Term
Rate
1 year
0.40%
3 years
1.60%
5 years
2.10%
Minimum deposit: $1,000 (outside of RRSP)
Minimum deposit: $500 (RRSP)
Other terms

Tools

Publications

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