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RRSP loans

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Our RRSP loans

Borrowing to contribute to your RRSP 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.

Available at an attractive low interest rate for a loan to invest in your RRSP. With flexible payment options.

  • Fixed or variable rate depending on term
  • Loan term of 1 to 10 years
  • Weekly, bi-weekly or monthly payments

Learn more - RRSP Loan (over $12,500)

Financing method that compares favourably to the RRSP loan and whose interest rate is as good as that on a caisse RRSP loan.

  • Available in just a few minutes through AccèsD Internet and Telephone services
  • Fixed interest rate, depending on term
  • Loan terms of 1 to 10 years, with the option of deferring principal payments for a 6-month period, until you get your income tax refund (if you are eligible for such a refund)

Learn more - Accord D RRSP financing

Take advantage of any unused RRSP contribution room carried forward since 1991.

  • Same interest rate as an RRSP loan.
  • Loan term of 1 to 10 years.
  • Pay off your loan whenever you want, in part or in full, without being charged extra fees.

Learn more - Unused contribution room RRSP loan

Compare the RRSP loan with Accord D RRSP financing

Comparison table
  RRSP loan Accord D RRSP financing1
Main purpose of loan Annual RRSP contribution or unused RRSP contribution room Annual RRSP contribution or unused RRSP contribution room
Minimum amount $12,501 $500
Maximum amount No limit $50,000
  • Annual contribution: 1 to 10 years
  • Unused room: 1 to 10 years, depending on amount borrowed (certain conditions apply)
  • 1 to 10 years
  • Exclusive to Accord D RRSP financing: Option of deferring principal payments for a 6-month period, which is then added to the repayment period selected
Rate Fixed or variable rate based on term (RRSP loan rate). Fixed rate based on repayment period offered (same rate as RRSP loan).2
Frequency of payments
  • Weekly
  • Every 2 weeks
  • Monthly
  • Monthly (according to credit card account statement billing period)
Prepayment in whole or in part At any time, without penalty, by contacting:
  • your caisse
  • AccèsD Telephone (takes 48 hours)
At any time, without penalty, via:
  • your caisse
  • at the ATM
  • Desjardins Card Services
  • AccèsD Internet (24/7)
  • AccèsD Telephone
Payment terms Principal and interest Principal and interest
Exclusive to deferred Accord D RRSP financing:
Option of deferring principal payments for a 6-month period during which only interest is due. After the 6-month period, principal and interest payments apply
Insurance Optional
  • Life and disability insurance3
  • Premium based on age, gender and borrowed amount
No insurance
Member dividends Eligible (according to the caisse members' Annual General Meeting decision) Eligible (according to the caisse members' Annual General Meeting decision)
  • No BONUSDOLLARS awarded on a loan
  • Principal payment allowed
  • No BONUSDOLLARS awarded on Accord D RRSP financing
  • No principal payment allowed
Distribution network
  • Caisse
  • AccèsD Telephone
  • AccèsD Internet
  • Caisse
  • AccèsD Telephone
  • AccèsD Internet
Application processing time Response given after an advisor's analysis of the application Automatic response within a few minutes1 4
  • Available 24/7 through AccèsD
  • Automatically deposited into the member's RRSP regular savings account when requested on AccèsD
  • Borrowed principal usually becomes available again as Accord D financing is repaid5 (certain conditions apply)

1. Subject to approval by the Desjardins Card Services credit department.

2. Cash advance must be invested in a Desjardins investment vehicle to benefit from this rate.

3. Insurance coverages are underwritten by Desjardins Financial Security Life Assurance Company. Certain conditions and restrictions apply.

4. During Desjardins Card Services credit department business hours.

5. Borrowing to invest is a leverage opportunity. Using borrowed money to purchase securities carries greater risk than purchasing them with cash. If you borrow money to purchase securities, you have an obligation to repay the loan and any interest required by the loan terms even if the value of the securities purchased declines. See a Mutual Fund Representative to learn more.

Documents to bring to your meeting with an advisor

  • Proof of income (pay stub, etc.)
  • Investment statements
  • Other loan statements (including consolidated loans)
  • Tax bills or leases
  • Last Federal Notice of Assessment

Make an appointment with an advisor at a caisse.

Useful links

Accord D RRSP financing
($12,500 or less) - Fixed rate
As of January 18, 2018
Term Rate
1 year 4.75%
5 years 6.35%
10 years 7.60%

Other rates - RRSP loan