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 > Redeemable Term Savings

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.

Redeemable Term Savings

Access your funds at any time

  • 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.

It's ideal for short-term projects because it allows you to grow your savings and still access your funds at any time.

Interest rate

  • Fixed
  • Guaranteed until maturity

See current rates

Eligible plans

  • Registered plans: TFSA, RRSP, FTA1 LIRA, locked-in RRSP and RDSP
  • Non-registered plans

Minimum deposit



  • On your own on AccèsD.
  • Through an AccèsD Services advisor :
    • Montreal area: 514-CAISSES (514-224-7737), options 2 and 4.
    • Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737), options 2 and 4.
  • At the caisse.


1. Not available in Ontario.

  • Flexible
    • You can redeem your investment before maturity
    • You can change or cash in your investment with no penalty
  • Stable and secure: your capital and interest are guaranteed

Useful links

Redeemable Term Savings
As of October 22, 2016
Term Rate
1 year 0.50%

Minimum deposit: $1,000