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Term S@vings

  • Main features: capital and interest rate 100% guaranteed and only available on AccèsD Internet and mobile
  • Terms: 1 to 5 years
  • Interest rate: 1.25% to 2.00%* (fixed or climbing rate, based on the term selected, guaranteed for the duration of the term)
  • Redemption terms: not redeemable before maturity

Only available on AccèsD Internet and mobile, this product is ideal for self-directed investors who want to purchase a safe investment at a fixed or climbing enhanced rate that is guaranteed for the duration of the term.

Interest rate

  • Fixed or climbing rate
  • Based on the term selected
  • Guaranteed for the duration of the term

See current rates

Type of investment

Not redeemable before maturity


1 to 5 years

Eligible for these plans

Registered plans: TFSA, RRSP
Non-registered plans

Minimum deposit

  • $500 for registered plans
  • $1,000 for non-registered plans


  • Ensures a high return on your savings.
  • Interest paid monthly, annually or at maturity for Fixed-Rate Term S@vings and annually or at maturity for Climbing-Rate Term S@vings.


  • On your own on AccèsD


  • Desjardins caisses in Quebec are registered with the Autorité des marchés financiers, in conformity with the terms of the Deposit Insurance Act. In Ontario, deposits in registered savings plans are insured for their total amount by the Deposit Insurance Corporation of Ontario. Other deposits in Canadian dollars are insured up to $100,000. Learn more about deposit insurance (FAQ).
  • Eligible for potential member dividends.
    Learn more about member dividends.

* Rate subject to change without notice.

Useful links

Climbing-Rate Term S@vings - 5-years
As of September 25, 2018
Year Rate
First year 1.15%
Third year 1.90%
Fifth year 3.27%

Minimum deposit: $1,000 (outside RRSP)

Minimum deposit: $500 (RRSP)

Other Term S@vings