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 April 2, 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

Climbing-Rate Term Savings - Retirement savings - 3-year term
Year Interest rate
1st year 0.50%
2nd year 0.85%
3rd year 1.20%
Average rate 0.85%
Climbing-Rate Term Savings - Retirement savings - 5-year term
Year Interest rate
1st year 0.60%
2nd year 0.75%
3rd year 1.00%
4th year 1.30%
5th year 1.60%
Average rate 1.049%

Climbing-Rate Term Savings - Non-redeemable

Climbing-Rate Term Savings - Non-redeemable - 3-year term
Year Interest rate
1st year 0.80%
2nd year 1.00%
3rd year 1.35%
Average rate 1.05%
Climbing-Rate Term Savings - Non-redeemable - 5-year term
Year Interest rate
1st year 0.80%
2nd year 0.90%
3rd year 1.25%
4th year 1.65%
5th year 1.90%
Average rate 1.299%

Climbing-Rate Term Savings - Redeemable

Climbing-Rate Term Savings - Redeemable - 3-year term
Year Interest rate
1st year 0.50%
2nd year 0.85%
3rd year 1.20%
Average rate 0.85%
Climbing-Rate Term Savings - Redeemable - 5-year term
Year Interest rate
1st year 0.60%
2nd year 0.75%
3rd year 1.00%
4th year 1.30%
5th year 1.60%
Average rate 1.049%

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.