Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

The subscription period for the 2020 issue has ended. Sign up to get an email reminder so you don't miss the next pre-subscription period.

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2020 share issue

  • Demand for shares exceeded the authorized amount of one hundred and forty million dollars.
  • A random selection was held.
  • All shares have been subscribed.

Purchase process

If demand for shares exceeds one hundred and forty million dollars, a random selection process will be used.

If demand for shares is less than one hundred and forty million dollars, 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

Sign up to get an email reminder before the next pre-subscription period starts.

  for email notifications

Subscription for selected investors

If you are a Desjardins member, you can subscribe on your own via AccèsD online during the subscription period. If you aren't a member or would like financial advice, schedule an appointment at a caisse.

Register for AccèsD  - for AccèsD

Find a caisse

Available in Quebec only

  • 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
  • Are pre-retired or already retired 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

  • 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

Ineligibility for plans

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

Tax credit

Non-refundable Quebec tax credit of 35% which cannot be carried forward year to year, but may be transferred to spouses

Returns

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

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

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 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, 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 (PDF, 353 KB) - This link will open in a new window..

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

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