Personal Home > Products and services > Savings and investment > Guaranteed fixed-rate investments

Guaranteed fixed-rate investments

If you have funds you don't need right away, term savings is a good way to help make this amount grow without risking your capital.

This can help you accumulate extra money that you can use toward a vacation, to take time off work or to save for retirement.

Features

• Capital 100% guaranteed.
• Short-, medium- or long-term investment.
• Set maturity date or term.
• A variety of interest payment options.
• Several terms available.
• Pre-established interest rates.
• Eligible for TFSAs, RRSPs and other retirement savings plans.
• Entitles you to potential member dividends from your caisse. Find out more about member dividends.
• 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. To find out more, visit the websites of the Autorité des marchés financiers and the Deposit Insurance Corporation of Ontario (DICO).

Term Savings	Make your savings grow while protected from the ups and downs of changing interest rates.
Regular Deposit Term Savings	Accumulate capital easily through regular, fixed-amount automatic deposits to your term savings account.
Redeemable Term Savings	Access funds at all times while savings grow at an attractive rate.
Climbing-Rate Term Savings	Get higher returns with multiple interest rates that increase from year to year and are guaranteed until maturity.
Diversified Term Savings	Benefit from changing interest rates while accessing a portion of your funds each year.
Regular Income Term Savings	Get periodic payments from your account while earning an attractive rate of interest.