Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Capital régional et coopératif Desjardins (CRCD) shares

Receive reminders by email to make sure you don't miss the next pre-subscription period.

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2019 share issue

  • The pre-subscription period has ended.
  • Demand for shares exceeded the authorized amount of $140 million.
  • A random selection was held.
  • All shares have been subscribed.

Purchase process

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

If demand for shares is less than $140 million, all investors who have filled out the form will have the option to obtain shares.

Pre-subscription

During the pre-subscription period, interested investors will have to fill out the application using the secure form on this page or in AccèsD.

Email notifications

Receive reminders by email to make sure you don't miss the next pre-subscription period.

  for email notifications

Subscription for selected investors

Selected investors can subscribe at a caisse or online.

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New!

If you are an AccèsD Internet user who has been selected, you can subscribe online even if you are not yet a CRCD shareholder.

Get financial advice or guidance

Available only in Quebec

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

Who should get this investment?

Investors who:

  • are prepared to accept a certain amount of risk in their investments
  • have contributed the maximum to their RRSP and are seeking an additional tax deduction
  • are pre-retired or already retired, can no longer contribute to an RRSP and have a high income
  • are looking for an additional tax deduction
  • contribute a significant amount to their pension fund, which limits their contribution to an RRSP

Features

Eligible investors

  • Individual members and non-members of a Desjardins caisse residing in Quebec as at December 31 of the taxation year for which the tax credit is being claimed
  • Adults aged 18 and over

Subscription amount

  • Minimum annual purchase: $500 (and in increments of $100 after that)
  • Maximum annual purchase: $3,000

Eligibility for plans

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

Tax credit

  • Non-refundable Quebec tax credit of 35% with no carry-over from one year to the next
  • Tax credit may be transferred to spouses

Returns

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

CRCD shares are not guaranteed; their value fluctuates frequently and their past performance is not indicative of future returns. Investment fees may apply.

Share price

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.

Redemption terms

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

Fees

Charge of $50, tax included, required upon opening and upon closing the shareholder's account.

Mandatory holding period

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

Notices and statements

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

Read the prospectus before investing (PDF, 485 KB) - This link will open in a new window..

Learn more about Capital régional et coopératif Desjardins - External link. This link will open in a new window.

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