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Climbing-Rate Term Savings

Multiple interest rates = higher returns!

  • Capital 100% guaranteed
  • 3- and 5-year terms
  • Average interest rate: 1.20% to 1.54%1 for the Climbing-Rate Term Savings (rate increases from year to year, guaranteed until maturity)

It's ideal if you want to earn higher returns, invest in an RRSP or save for a medium-term project.

Interest rate

Guaranteed until maturity

See current rates

Eligible plans

  • Registered plans: TFSA, RRSP, FTA1, LIRA, locked-in RRSP, RRIF, LIF and RDSP
  • Non-registered plans

Minimum deposit



  • High
  • Interest paid annually or at maturity2


  • RRSP, FTA, LIRA, locked-in RRSP, RRIF, and LIF: convertible and non-redeemable.
    • On the deposit anniversary date, you can convert all or part of your savings to a non-redeemable term savings or a fund available at your caisse.
  • Non-registered plans, TFSA and RDSP:
    • Non-convertible but redeemable: on the anniversary date, you can redeem all or part of your savings without penalty. Partial withdrawal of at least $1,000 of your savings if you maintain a minimum balance of $1,000.
    • Non-redeemable and non-convertible: offered at a higher rate.


  • On your own on AccèsD.
  • Through an AccèsD Services advisor :
    • Montreal area: 514-CAISSES (514-224-7737), options 2 and 4.
    • Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737), options 2 and 4.
  • At the caisse.


1. Not available in Ontario.

2. For income tax purposes, interest declared annually is based on average return at maturity.

  • Competitive: because the interest rate increases annually, you earn higher average returns
  • Flexible:
    • You can cash in your savings or reinvest them
    • You can redeem all or part of your investment at anniversary dates for non-registered accounts
    • Ideal when interest rates are rising
  • Stable and secure: your capital and interest are guaranteed

Useful links

Climbing-Rate Term Savings, Non-redeemable (non-registered and TFSA) – 5-year
As of September 25, 2018
Year Rate
1st year
3rd year
5th year
Average rate

Other Climbing-Rate Term Savings