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Guaranteed fixed-rate investments

Make money with your excess funds

  • Final returns guaranteed from the start, no matter how the markets perform
  • Capital and interest guaranteed
  • Regular interest income payments

A solid fondation

Fixed-rate term savings are the only savings products that guarantee your capital and your interest returns. No matter how the markets perform, you can know from day one exactly what your final returns will be.

Term savings are the first step to a diversified investment portfolio.

  • Capital and interest 100% guaranteed

    Learn more about deposit insurance (FAQ).

  • Variety of interest payment options
  • Short-, medium- or long-term investments
  • Entitles you to any member dividends your caisse may pay

Guaranteed investment certificates (GICs) are guaranteed by the Autorité des marchés financiers or the Canada Deposit Insurance Corporation, depending on the applicable jurisdiction. Canadian dollar deposits are guaranteed up to $100,000, including accrued interest, per person and per institution.

Learn more about GICs (PDF, 667,5 KB).

  • Capital 100% guaranteed
  • Terms:
    • 30-day to 5-year terms (online requests)
    • 30-day to 10-year terms (in-caisse requests)
    • Fixed interest rate, guaranteed until maturity

Learn more - Term Savings

  • Main feature: capital 100% guaranteed
  • Term: 1 year
  • Interest rate: 0.50% (fixed, guaranteed until maturity)
  • Redemption terms: cashable at any time without charge at the caisse and on AccèsD. No interest paid if redeemed within 30 days after the purchase date.

Learn more - Redeemable Term Savings

  • Capital 100% guaranteed
  • 3- and 5-year terms
  • Interest rate increases from year to year, guaranteed until maturity

Learn more - Climbing-Rate Term Savings

  • Capital 100% guaranteed, divided into equal portions:
    • 3 portions: terms of 1 to 3 years
    • 4 portions: terms of 1 to 4 years
    • 5 portions: terms of 1 to 5 years
  • 1 portion of your investment matures each year
  • Each portion earns interest at a different rate
    • 0.90% to 1.75% (fixed and guaranteed until maturity)
    • Interest is paid at your choice of frequency

Learn more - Diversified Term Savings

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