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.

	Online (Members)	AccèsD Internet users: Log on to AccèsD Follow the instructions on the next page.
	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 (Members and non-members)	Make an appointment with a caisse advisor: online by phone
	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.

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.