Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

The pre-subscription period has ended. The investors selected can subscribe online until 5 PM on November 1, 2021.

Subscribe online This link will open in a new window.

2021 share issue

  • The pre-subscription period has ended
  • Demand for shares exceeded the authorized amount of $140 million
  • A random selection was held
  • The investors selected were notified by email or mail (as requested in their application)


Pre-subscription allows you to let us know you're interested in buying CRCD shares. The pre-subscription period for the 2021 issue ended at 5 PM on September 20, 2021.

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. This process was held on September 27, 2021.

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're among the investors selected, you can subscribe online until 5 PM on November 1, 2021.

If you use AccèsD, you can log in to subscribe on your own.

Subscribe online - External link. This link will open in a new window.

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



  • 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)


  • 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


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.