Term S@vings

Get this product - Term Savings
  • Main features: capital and interest rate 100% guaranteed and only available on AccèsD Internet and mobile
  • Terms: 1 to 5 years
  • Interest rate: 3.65% to 3.30% fixed rate, based on the term selected, guaranteed for the duration of the term)
  • Redemption terms: not redeemable before maturity
Pre-TFSA promotion

Plan for your 2025 TFSA contribution today

Already contributed the maximum amount to your TFSA for 2024? Until December 31, 2024, invest your 2025 TFSA contribution in term savings and get a promotional rate of 4.15% online or 4.00% at a caisse or branch.

At maturity on January 2, 2025, your capital will be automatically transferred to your TFSA savings account.

Get this offer online

Is this investment right for you?

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 enhanced rate that is guaranteed for the duration of the term.

Features

Interest rate

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

See current rates

Type of investment

Not redeemable before maturity

Terms

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

Returns

  • Ensures a high return on your savings
  • Interest paid annually or at maturity

Renewal

  • On your own on AccèsD

Other

  1. This promotional offer applies only to non-redeemable online Term S@vings savings products available on AccèsD. Rates are subject to change without notice. Some terms and conditions apply. The pre-TFSA promotion may end at any time.
  2. Upon maturity, the principal will be transferred to your Desjardins TFSA savings account and treated as a contribution for 2025, and the interest generated by your principal will be deposited in your non-registered Everyday Transaction Account and will be taxable. It's your responsibility to make sure that your contributions do not exceed your 2025 TFSA contribution room. A tax of 1% per month applies to excess contributions. To find out your TFSA contribution room, visit My Account at the Canada Revenue Agency (CRA) External link.. The unused TFSA contribution room provided by the CRA does not include contributions made during the current year. Your TFSA contribution room includes all TFSAs you hold, whether at Desjardins or another financial institution.