Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

The annual pre-subscription period will run from August 29 to September 19, 2022. Sign up to get a reminder.

2022 share issue

  • Fill out the pre-subscription form between August 29 and 5 PM on September 19, 2022.
  • Invest up to $3,000.
  • Receive a 30% Quebec tax credit ($900 max.).
  • Help drive growth and sustainability for companies across Quebec.

Pre-subscription

Interested in buying CRCD shares? Submit your application between August 29 and September 19, 2022, using the secure form on this page or on AccèsD.

Email notification

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

Sign up for an email notification

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're not a member, 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

  • 7 years or more
  • 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 and LIF)

Returns

  • Return not guaranteed
  • No interest or dividend payments

Share price

Share price is established twice a year, on June 30 and December 31, and announced within 90 days following these dates.

See current share price - External link.

Total or partial redemption

  • No tax impact upon exchange
  • 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.

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.