Climbing-Rate Term Savings
View the rates on Climbing-Rate Term Savings, an ideal way to take advantage of multiple interest rates and get a higher return.
Current rates on January 20, 2020
Eligible plans
- Retirement savings
- Registered plans: RRSP, FTA, LIRA and locked-in RRSP, RRIF, LIF
- Non-redeemable
- Registered plans: TFSA
- Redeemable
- Registered plans: TFSA
- Non-registered plans
Minimum deposit:
- $1,000
Climbing-Rate Term Savings - Retirement savings
| Year | Interest rate |
|---|---|
| 1st year | 1.00% |
| 2nd year | 1.20% |
| 3rd year | 1.80% |
| Average rate | 1.333% |
| Year | Interest rate |
|---|---|
| 1st year | 1.00% |
| 2nd year | 1.20% |
| 3rd year | 1.55% |
| 4th year | 1.80% |
| 5th year | 3.00% |
| Average rate | 1.708% |
Climbing-Rate Term Savings - Non-redeemable
| Year | Interest rate |
|---|---|
| 1st year | 1.00% |
| 2nd year | 1.50% |
| 3rd year | 2.00% |
| Average rate | 1.499% |
| Year | Interest rate |
|---|---|
| 1st year | 1.00% |
| 2nd year | 1.25% |
| 3rd year | 1.45% |
| 4th year | 1.85% |
| 5th year | 4.00% |
| Average rate | 1.904% |
Climbing-Rate Term Savings - Redeemable
| Year | Interest rate |
|---|---|
| 1st year | 1.00% |
| 2nd year | 1.20% |
| 3rd year | 1.80% |
| Average rate | 1.333% |
| Year | Interest rate |
|---|---|
| 1st year | 1.00% |
| 2nd year | 1.20% |
| 3rd year | 1.55% |
| 4th year | 1.80% |
| 5th year | 3.00% |
| Average rate | 1.708% |
Food for thought
Learn more about Climbing-Rate Term Savings
Rates may change without prior notice. Certain conditions apply.
These interest rates are recommended by the Fédération des caisses Desjardins du Québec to all its caisses.