Fixed-rate term investments
Our fixed-rate term investments are a safe option. You know your investment’s term and interest rate from the outset. Book an appointment with a financial security advisor to get this product.
1-877-938-8931 Phone number to get a fixed-rate term investment. This link opens your phone app.
What is a fixed-rate term investment?
A fixed-rate term investment is a low-risk investment offered through an annuity contract. You can choose a short, medium or long term at a fixed interest rate. The money you invest and your return are guaranteed at maturity and in the event of death.
Investment features
- Guaranteed principal and return at maturity date
- Principal and return quickly paid out to your beneficiaries in the event of death
1 - Investment term and interest rate known from the start
- Fixed interest rate based on your investment term and amount invested
- Eligible for certain registered plans
- Minimum investment of $500
Investment options
Redeemable investment
With a redeemable fixed-rate term investment, you can withdraw your money anytime.
- Terms: 3 months to 20 years
- Eligible plans: TFSA, RRSP, RRIF
3 , LIRA3 , LIF4 and non-registered - Interest payment: Once a month (simple interest) or once a year on the investment’s anniversary date (simple or compound interest)
Non-redeemable investment
You can get a higher interest rate with a non-redeemable fixed-rate term investment. You can choose from different term options, but you can’t withdraw funds or get interest payments before the investment matures.
- Terms: 3 months to 9 years
- Eligible plans: RRSP, LIRA
3 and non-registered - Interest payment: At maturity (interest compounded annually)
Get a fixed-rate term investment
Book an appointment with a financial security advisor to discuss your needs.
Call customer service
Get support if you already have a Desjardins fixed-rate term investment.