Caisses Desjardins du Québec and Caisses populaires de l'Ontario [Change site]

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

Regular Income Term Savings

Quick facts

Main feature: capital 100% guaranteed
Terms: 1 to 5 years
Interest rate: 0.90% to 1.85% (fixed, guaranteed until maturity)
Redemption terms: one lump-sum amount per year without charge or penalty, under certain conditions

For savers who want to to make their money grow outside of a registered retirement plan while making regular automatic withdrawals.


Interest rate	Fixed. Guaranteed until maturity. See current rates

Minimum deposit	$10,000

Eligible for these plans	Registered plans: TFSA Non-registered plans

Withdrawal amount and frequency	Flexible. Can be changed each year. Frequency of automatic withdrawals: weekly, every 2 weeks, monthly or quarterly.

Other	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). Eligible for potential member dividends. Find out more about member dividends. Savings-Life Insurance available.



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


	At the caisse	Make an appointment with a caisse advisor: online by phone