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Rates - RRSP loans

These are the current rates for each of our financing products, the amount you need for your annual RRSP contribution or unused contribution room, and for each term.

Current rates on September 21, 2018

RRSP loan and Accord D RRSP financing – Fixed rate 1
Term* Interest rate
1 year 4.75%
2 years 4.75%
3 years 5.10%
4 years 5.40%
5 years 6.35%
6 years 6.70%
7 years 6.80%
8 years 7.40%
9 years 7.50%
10 years 7.60%
* To find out more about the term best suited to your needs, call 1-800-CAISSES (1-800-224-7737) or contact an advisor at a caisse.

With Accord D RRSP financing, Desjardins makes it possible for you to take advantage of a 6 month period to defer payment of the principal on your financing until you get your income tax refund (if you are eligible for such a refund). In that case, the interest is required during the deferment period and following that period, principal and interest are required.

RRSP loan – Variable rate 1
Term Interest rate
1 year 5.70  %
2 years 6.20  %
3 years 6.20  %
4 years 6.20  %
5 years 6.20  %
More than 5 years For the current rate, contact an advisor at a caisse.

Find out more
To find out more about ways Desjardins can help you contribute to your RRSP, see RRSP loans.

Last update: September 21, 2018

Rates are subject to change without prior notice. Rates may vary according to your credit rating, the amount borrowed, guarantees offered and other factor. Certain conditions apply. Borrowing to invest is a leverage opportunity. If the loan amount is invested in investment funds, the risk is even higher. See a Group Savings Representative to find out more.

These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.

For additional information, please contact an advisor at a caisse.

1. In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming that there are no additional charges applicable to the loan. Should there be such charges, the APR might be different. Does not apply to Accord D financing.