Term Savings

Grow your money worry-free!

  • Capital 100% guaranteed
  • 30-day to 10-year terms (phone and in-caisse requests)
  • Interest rate: 0.10% to 1.10% (fixed, guaranteed until maturity)
  • Ideal if you want security, competitive returns and regular income
  • "A bird in the hand is worth two in the bush!"

Interest rate

  • Fixed
  • Based on the term selected
  • Guaranteed for the full term1

See current rates

Eligible plans

  • Registered plans: TFSA, RRSP, FTA2, LIRA, locked-in RRSP, LIF and RDSP
  • Non-registered plans

Minimum deposit

  • $500 for registered plans
  • $1,000 for non-registered plans
  • $5,000 for terms of less than 1 year


Gives you a competitive return on your savings


  • 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.


  • Also available in U.S. dollars. Deposits in U.S. currency are not insured by the Autorité des marchés financiers or by the Deposit Insurance Corporation of Ontario.
  • Learn more about deposit insurance.
  • Eligible for potential member dividends (RDSP ineligible).
    Find out more about member dividends.
  • Savings-Life Insurance available.

1. If the investment is held to maturity.

2. Not available in Ontario.

  • Stable and secure: your capital and interest are guaranteed
  • Peace of mind: no matter how the financial markets perform, you know what your return will be right from the start
  • Predictable: it's easy to plan your budget because the income is paid to you regularly

Rate subject to change without notice.