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 18, 2021
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 | 0.35% |
| 2nd year | 0.40% |
| 3rd year | 0.60% |
| Average rate | 0.45% |
| Year | Interest rate |
|---|---|
| 1st year | 0.35% |
| 2nd year | 0.40% |
| 3rd year | 0.60% |
| 4th year | 0.90% |
| 5th year | 1.25% |
| Average rate | 0.699% |
Climbing-Rate Term Savings - Non-redeemable
| Year | Interest rate |
|---|---|
| 1st year | 0.45% |
| 2nd year | 0.50% |
| 3rd year | 0.85% |
| Average rate | 0.60% |
| Year | Interest rate |
|---|---|
| 1st year | 0.40% |
| 2nd year | 0.50% |
| 3rd year | 0.70% |
| 4th year | 1.15% |
| 5th year | 1.50% |
| Average rate | 0.849% |
Climbing-Rate Term Savings - Redeemable
| Year | Interest rate |
|---|---|
| 1st year | 0.35% |
| 2nd year | 0.40% |
| 3rd year | 0.60% |
| Average rate | 0.45% |
| Year | Interest rate |
|---|---|
| 1st year | 0.35% |
| 2nd year | 0.40% |
| 3rd year | 0.60% |
| 4th year | 0.90% |
| 5th year | 1.25% |
| Average rate | 0.699% |
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.