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Guaranteed fixed-rate investments

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

Quick facts

Guaranteed Fixed-Rate Investments offer many reassuring advantages. The final returns are guaranteed from the start, no matter how the markets perform, your capital and interest are guaranteed, and you can benefit from regular interest income payments.

Features to help you manage your investments online - from purchase to renewal (2 min 39 s)

Description
You can now manage your guaranteed investments online, from purchase to renewal, thanks to a number of handy features. It’s easy, quick and secure!

  • Selector
  • Purchase
  • Online documents
  • Track your returns
  • Online renewal

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
Exclusive advantages for members

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 1.80% (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

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