Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

The subscription period for the 2021 issue has ended. Sign up to get an email notification so you don't miss the next pre-subscription period.

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2021 share issue

  • The subscription period has ended
  • Demand for shares exceeded the authorized amount of $140 million
  • A random selection was held
  • There are no remaining shares

Pre-subscription

Pre-subscription allows you to let us know you're interested in buying CRCD shares.

Email notification

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

  for email notifications

Shareholder selection

When demand for shares exceeds $140 million, a random selection process is used.

When demand is less than $140 million, all those who filled out the form have the option to obtain shares.

Subscription for selected investors

If you use AccèsD, you can log in and subscribe on your own during the subscription period.

If you don't use AccèsD or would like financial advice, schedule an appointment at a caisse.

Register for AccèsD

Find a caisse

Available in Quebec only

  • Shares offered exclusively by Desjardins
  • Tax credit and potential for long-term returns

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

  • You are willing to accept a certain amount of investment risk
  • You have contributed the maximum to your RRSP
  • You are looking for ways to decrease your tax bill
  • You want to diversify your portfolio
  • You are interested in the tax credit and long-term return potential
  • You want to invest in the growth and sustainability of Quebec companies and cooperatives

Features

Eligibility

  • All individuals over 18 years of age, whether Desjardins members or not
  • Residents of Quebec as at December 31 of the taxation year for which the tax credit is being claimed

Subscription amount

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

Tax credit

Non-refundable Quebec tax credit of 30% which cannot be carried forward year to year, but may be transferred to spouses

Mandatory holding period

  • At least 7 years
  • In some cases, shares may be redeemed before the end of the mandatory holding period

Ineligibility for plans

Not eligible for RRSPs, RRIFs or any other deferred tax plan (LIRA, LIF)

Returns

  • Development capital, return not guaranteed
  • No interest or dividend payments

Share price

Share price is established semi-annually on June 30 and December 31, and announced within 90 days following these dates.

See current share price - External link. This link will open in a new window.

Total or partial redemption

  • Shares not transferable to another person, by sale or otherwise
  • Possibility of capital gains or losses at redemption
  • After a redemption, loss of tax credit for the current tax year or any subsequent tax year on any new subscription or exchange

Learn more about redeeming shares

Fees

Charge of $50, tax included, required when opening or closing an account

Notices and statements

Transaction notices and semi-annual statements are sent to shareholders.

Learn more about CRCD - External link. This link will open in a new window.

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, 473 KB) - This link will open in a new window.