Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Help drive the growth and sustainability of companies across Quebec, receive a tax credit and benefit from a long-term return potential.

2023 share issue

The pre-subscription period has ended.
If you're selected as an investor, you can subscribe online starting on September 26, 2023, at 9 AM.

How do you know if this investment is right for you?

  • You're willing to accept a certain amount of investment risk.
  • You've contributed the maximum to your RRSP.
  • You're interested in getting a tax credit to lower your tax bill.
  • You'd like to diversify your portfolio and benefit from the long-term return potential.
  • You're 18 or older and a resident of Quebec as at December 31 of the taxation year for which the tax credit is being claimed.

Tax credit

Receive a 30% Quebec tax credit, up to $900.

This credit may be transferred to spouses but is non-refundable and cannot be carried forward from year to year.

How to buy CRCD shares

There are 3 steps to the buying process.

  1. 1. Pre-subscription

    Pre-subscription allows you to let us know you're interested in buying CRCD shares. This period ended on September 18, 2023, at 5 PM.

    Sign up to get a reminder before the next pre-subscription period.

    Sign up for an email notification

  2. 2. Shareholder selection

    As demand has exceeded the authorized amount this year, investors will be selected at random on September 25. Investors will be notified of next steps in the selection process by email or mail.

  3. 3. Subscription

    Invest up to $3,000 per issue year.

    • Initial annual purchase: minimum $500
    • Subsequent purchases in the same year: increments of $100, up to $3,000

    If selected, you can buy shares from September 26 at 9 AM to October 30 at 5 PM.

    Register for AccèsD

    If you're not a member, or would like financial advice, schedule an appointment at a caisse.

    Find a caisse

What you need to know about CRCD shares

Mandatory holding period and redemption

  • The minimum holding period is 7 years.
  • In some cases, shares may be redeemed before the end of this period.
  • Shares are not transferable to another person, by sale or otherwise.
  • A redemption of shares may trigger capital gains or losses.
  • After a redemption, you can no longer claim a tax credit for the current tax year or any subsequent tax year on any new subscription.

Learn more about redeeming shares

Returns and share price

  • Returns are not guaranteed.
  • There are no interest or dividend payments.
  • The price of exchanged shares is always the same as the price of other shares. Share price is established twice a year, on June 30 and December 31, and announced within 90 days following these dates.
  • Transaction notices and semi-annual statements are sent to shareholders.

See current share price - – External link.

Non-eligible plans and fees

  • Not eligible for RRSPs, RRIFs or any other deferred tax plan (LIRA and LIF)
  • Fee charged when opening or closing an account: $50 (tax included)

Contact us

CRCD shares are not guaranteed; their value fluctuates frequently and their past performance is not indicative of future returns. Investment fees may apply. See prospectus (PDF, 506 KB)

  1. The issue year runs from March to February. Transactions must be concluded within the subscription period.