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

RRSP loans

Borrowing to contribute could be beneficial. The real cost of the loan is offset by your income tax savings, and, of course, by the investment income that accumulates tax free.

Choose from these three options:

Desjardins RRSP loan (over $12,500)
Offered at an attractive rate and with flexible payment options.
Accord D RRSP financing
Financing method that compares favourably to the RRSP loan and whose interest rate is as good as that on a caisse RRSP loan.
Unused contribution room RRSP loan
Take advantage of the unused contribution portion of your RRSP that has been carried forward since 1991.

Compare the RRSP loan with Accord D RRSP financing

Interest rate

Accord D RRSP financing ($12,500 or less) – Fixed rate
As of November 21, 2009
Term
Rate
1 year
4.95%
5 years
7.09%
Other rates - RRSP loan

Publications