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You are here: Home > Personal > Savings and investment > Guaranteed fixed-rate investments > Regular Deposit Term Savings
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Regular Deposit Term Savings
The best way to save and stay on budget
- Capital 100% guaranteed
- 1- to 5-year terms
- Interest rate: 0.85% to 1.50%
- 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
- It's ideal if you want to build capital with regular set amounts to carry out a project or spread your RRSP contribution over the entire year.
- Even a modest sum—invested regularly—can yield surprising results.
Interest rate
Guaranteed until maturity
Eligible plans
- Registered plans: TFSA, RRSP, FTA1 and RDSP
- Non-registered plans
Minimum deposit
- $1,200 for 1 year
- $3,000 for other terms
Deposit amount and frequency
- You choose your amount
- You can change it at any time
- You choose your frequency:
- weekly, every 2 weeks
- twice a month or monthly
Conversion
You can convert your investment into a down payment on a home at any time when you apply for a mortgage loan from your caisse.
Other
- Deposit insurance: Learn more about deposit insurance (FAQ).
- Eligible for potential member dividends (RDSP ineligible).
Learn more about member dividends. - Savings-Life Insurance available.
- Not available in Ontario.
- Simple: an easy way to put money aside on a regular basis painlessly!
- Stable and secure: your capital and interest are guaranteed
- Forward-looking: you're sure to reach your objectives—right from the start
Useful links
| Term | Rate |
|---|---|
| 1 year | 0.85% |
| 3 years | 1.15% |
| 5 years | 1.50% |
Minimum deposit 1-year term: $1,200
Minimum deposit 2-year term or more: $3,000