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 October 14, 2019

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

Climbing-Rate Term Savings - Retirement savings - 3-year term
Year Interest rate
1st year 0.75%
2nd year 1.00%
3rd year 1.50%
Average rate 1.083%
Climbing-Rate Term Savings - Retirement savings - 5-year term
Year Interest rate
1st year 0.75%
2nd year 1.00%
3rd year 1.15%
4th year 1.35%
5th year 2.50%
Average rate 1.348%

Climbing-Rate Term Savings - Non-redeemable

Climbing-Rate Term Savings - Non-redeemable - 3-year term
Year Interest rate
1st year 1.00%
2nd year 1.50%
3rd year 2.00%
Average rate 1.499%
Climbing-Rate Term Savings - Non-redeemable - 5-year term
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

Climbing-Rate Term Savings - Redeemable - 3-year term
Year Interest rate
1st year 0.75%
2nd year 1.00%
3rd year 1.50%
Average rate 1.083%
Climbing-Rate Term Savings - Redeemable - 5-year term
Year Interest rate
1st year 0.75%
2nd year 1.00%
3rd year 1.15%
4th year 1.35%
5th year 2.50%
Average rate 1.348%

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.