Climbing-Rate Term Savings

Features

  • Minimum deposit of $1,000.
  • 3- and 5-year terms.
  • Guaranteed rates that increase from year to year. See rates
  • Completely or partially redeemable without penalty on the deposit anniversary date.
  • Interest paid annually or at maturity1.
  • Offered in a non-redeemable version at a higher rate.

Advantages

  • Capital 100% guaranteed.
  • Freedom to react if the unexpected occurs or take advantage of market opportunities thanks to the option to redeem before maturity or to convert the funds.
  • Guaranteed rates that increase from year to year.
  • High return guaranteed until maturity.
  • Eligible for RRSPs and other registered retirement savings plans with the conversion option2.
  • Entitles you to potential member dividends from your caisse.
How to get this product
Online Online
(Members)
AccèsD Internet users:
  • Log on to AccèsD
  • Follow the instructions on the next page.
By phone 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 At the caisse
(Members and non-members)
Make an appointment with a caisse advisor:
At a Desjardins Business Centre At a Desjardins Business Centre
(Members and non-members)
Make an appointment with an account manager at a Desjardins Business Centre.

Not yet registered for AccèsD?

Call one of these numbers to begin getting the benefits of the service today.

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

1. For income tax purposes, interest declared annually is based on average return at maturity.
2. Allows you to convert, on the account anniversary date, all or part of the investment into any non-redeemable term savings product or mutual fund offered at the caisse.

Interest rates

Climbing-Rate Term Savings, Non-redeemable5-year
As of July 5, 2008
Year
Rate
1st year
2.50%
3rd year
3.30%
5th year
6.05%
Average rate
3.753%
Other Climbing-Rate Term Savings

Tools

Suggested links

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