Redeemable Climbing-Rate Term Savings

Multiple interest rates

  • Capital 100% guaranteed
  • 3- and 5-year terms
  • Average interest rate: Interest rate increases from year to year, guaranteed until maturity
  • Redeemable on the anniversary date under certain conditions

It's ideal if you want to earn an attractive returns or save for a medium-term project.

Interest rate

  • Increases from year to year
  • Guaranteed until maturity

See current rates

Eligible plans

  • Registered plans: TFSA and RDSP
  • Non-registered plans

Minimum deposit



  • High
  • Interest paid annually or at maturity1


  • 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.


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

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

  • Increasing yield: Interest rate that increases every year
  • Flexible:
    • You can redeem all or part of your investment at anniversary dates
    • Ideal when interest rates are rising
  • Stable and secure: your capital and interest are guaranteed

Rate subject to change without notice.