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Guaranteed fixed-rate investments
Guaranteed fixed-rate investments
For investors who want guaranteed return on their savings.
Term savings
Makes your savings earn interest while protecting your money from interest rate fluctuations.
- Main feature: capital 100% guaranteed
- Terms: 1 to 5 years (online), 30 days to 10 years (1-800-CAISSES or in caisse)
- Interest rate: 0.90% to 1.85% (fixed, guaranteed until maturity)
- Redemption terms: cashable before maturity under certain conditions1
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See Term Savings.
Regular Deposit Term Savings
Lets you accumulate capital easily through regular, fixed-amount automatic deposits to your term savings account.
- Main feature: capital 100% guaranteed
- Terms: 1 to 5 years
- Interest rate: 0.90% to 1.85% (fixed, guaranteed until maturity)
- Redemption terms: cashable in full without penalty on the 3rd and 4th anniversary dates of the deposit, under certain conditions
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Redeemable Term Savings
Ideal if you want to make your capital grow while having the freedom to access your money at any time.
- Main feature: capital 100% guaranteed
- Term: 1 year
- Interest rate: 0.65% (fixed, guaranteed until maturity)
- Redemption terms: cashable in full or in part at any time without penalty at the caisse and on AccèsD
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Climbing-Rate Term Savings
Offers higher returns with its multiple interest rates that increase from year to year and are guaranteed until maturity.
- Main feature: capital 100% guaranteed
- Terms: 3 or 5 years
- Average interest rate: 1.63% to 2.32%1 for the Climbing-Rate Term Savings (rate increases from year to year, guaranteed until maturity)
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Diversified Term Savings
Lets you benefit from changing interest rates while accessing a portion of your funds each year.
- Main feature: capital 100% guaranteed and divided into 3, 4 or 5 amounts invested for different terms See an example (PDF, 122 KB)
- Terms:
- from 1 to 3 years (for investments divided into 3 segments)
- from 1 to 4 years (for investments divided into 4 segments)
- from 1 to 5 years (for investments divided into 5 segments)
- Interest rate: 0.90% to 1.85% (fixed, guaranteed until maturity, a variety of interest payment options)
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