Choose province (Canada) or state (United States), and language

Online services – AccèsD, AccèsD Affaires, online brokerage, full service brokerage.

Log on to Desjardins online services.
 

You are here: Home > Personal > Savings and investment > Guaranteed fixed-rate investments

Your browser is configured to not accept cookies. Some features of the site are not available or will not work correctly without cookies. Also, some information presented might not apply to your situation.
See How to enable cookies

Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.

Microsoft Edge causes problems on AccèsD. To fix the issue, please install the most recent Windows update.

Guaranteed fixed-rate investments

Some things in life are guaranteed!

  • Final returns guaranteed from the start, no matter how the markets perform
  • Capital and interest guaranteed
  • Regular interest income payments

Guaranteed savings

A solid foundation

Fixed-rate term savings—also known as fixed-rate GICs (guaranteed investment certificates)—are the only savings products that guarantee your capital and your interest returns. No matter how the markets perform, you can know from day one exactly what your final returns will be.

Term savings are the first step to a diversified investment portfolio.

  • Original investment and interest 100% guaranteed
  • Deposit insurance: Learn more about deposit insurance (FAQ).
  • Eligible for TFSAs, RRSPs and other registered savings plans
  • Variety of interest payment options
  • Short-, medium- or long-term investments
  • Entitles you to any member dividends your caisse may pay
Avantage exclusif aux membres

Save to achieve your goals

  • Flexible term savings.
  • Fixed interest rate: 0.75%. Interest bonus each year. Additional bonus when goal is reached.
  • Set a savings goal amount, schedule regular transfers, and get support from others to reach your savings goal faster.

Learn more - My Savings Plan

  • Capital 100% guaranteed
  • Terms: 3 to 5 years
  • Interest rate: 1.50% to 1.75% (fixed or climbing rate, based on the term selected, guaranteed for the duration of the term)
  • Redemption terms: not redeemable before maturity

Learn more - Term S@vings

  • Capital 100% guaranteed
  • 1- to 5-year terms (online requests)
  • 30-day to 10-year terms (phone and in-caisse requests)
  • Fixed interest rate, guaranteed until maturity

Learn more - Term Savings

  • Capital 100% guaranteed
  • 1- to 5-year terms
  • Fixed interest rate, guaranteed until maturity
  • Redeemable in full or in part: in full with no penalty on the third and fourth deposit anniversary dates under certain conditions

Learn more - Regular Deposit Term Savings

  • Capital 100% guaranteed
  • 1-year term
    • Interest rate: 0.50% (guaranteed until maturity)
  • Redemption terms: cashable at any time without charge at the caisse and on AccèsD. No interest paid if redeemed within 30 days after the purchase date.

Learn more - Redeemable Term Savings

  • Capital 100% guaranteed
  • 3- and 5-year terms
  • Interest rate increases from year to year, guaranteed until maturity

Learn more - Climbing-Rate Term Savings

  • Capital 100% guaranteed, divided into equal portions:
    • 3 portions: terms of 1 to 3 years
    • 4 portions: terms of 1 to 4 years
    • 5 portions: terms of 1 to 5 years
  • 1 portion of your investment matures each year
  • Each portion earns interest at a different rate
    • 0.85% to 1.50% (fixed and guaranteed until maturity)
    • Interest is paid at your choice of frequency

Learn more - Diversified Term Savings

Retirement income

Your goal: to receive a high income made up of interest from your investments and periodic payouts of your original capital.

  • Capital 100% guaranteed
  • 1- to 5-year terms
  • Fixed interest rate, guaranteed until maturity
  • Withdraw 1 lump sum per year with no penalty, under certain conditions

Learn more - Regular Income Term Savings

  • Income is made up of interest and periodic payouts of your original capital
  • You can choose the term, frequency and amount of your regular income payments
  • 1- to 5-year terms (phone and in-caisse requests)

Learn more - Personalized Annuity Term Savings

Toolbar