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Capital régional et coopératif Desjardins

Receive a 40 % tax credit. 
Pre-subscription period until September 25, 2017. Submit a request.

2017 share issue

Want to buy CRCD shares and get a 40% tax credit? Submit a request by 11:59 p.m. on Monday, September 25, 2017. New! If you're already an AccèsD user, some of your information will already be filled in on the form.

Pre-subscription request

Submit a request online - Pre-subscription request

At a caisse : Stop by your caisse for assistance.

Share issue limit

The Quebec government has set the 2017 issue limit to $135 million. At the end of the pre-subscription period, we'll contact you regarding the status of your request. There are 2 possible scenarios:

  • If share demand exceeds the limit, investors will be selected at random from the pool of requests received.
  • If share demand is less than the limit, all investors who submitted a request will obtain an appointment to purchase CRCD shares.

Available only in Quebec

  • Shares offered exclusively by Desjardins caisses
  • Maximum annual investment of $3,000
  • Tax credit and potential for long-term returns

Who should get this investment?

Investors who:

  • are prepared to accept a certain amount of risk in their investments
  • have contributed the maximum to their RRSP and are seeking an additional tax deduction
  • are pre-retired or already retired, can no longer contribute to an RRSP and have a high income
  • are looking for an additional tax deduction
  • contribute a significant amount to their pension fund, which limits their contribution to an RRSP


Eligible investors

  • Individual members and non-members of a Desjardins caisse residing in Quebec as at December 31 of the taxation year for which the tax credit is being claimed are eligible.
  • Be aged 18 or over.

Minimum amount

  • For the first purchase of each year of issue: $500.
  • For subsequent purchases for the same year of issue: multiples of $100.

Eligibility for plans

These shares are not eligible for RRSPs, RRIFs or any other deferred tax plan (LIRA, LIF).

Tax credit

Non-refundable Quebec tax credit1 of 40% (maximum $1,200 per year) with no carry-over from one year to the next.


  • Development capital, return not guaranteed.
  • No interest or dividend payments.

Share price

Share price established semi-annually, on June 30 and December 31, and announced within 90 days following these dates.

See current share price

Redemption terms

  • Not transferable to another person, by sale or otherwise.
  • Possibility of capital gains at buyback.


Charge of $50, tax included, required upon opening and upon closing the shareholder's account.

Mandatory holding period

  • At least 7 years.
  • After having held shares for the mandatory holding period, a shareholder can submit a request to the company for buyback.
  • In some cases, Capital régional et coopératif Desjardins shares may be redeemed before the end of the mandatory holding period2.


Transaction notices, semi-annual statements sent to shareholders.

Learn more about features in the short form prospectus.

Learn more about the Capital régional et coopératif Desjardins

Though Desjardins Group promotes Capital régional et coopératif Desjardins, it does not hold any shares.

1. You will not be reimbursed for any portion of the tax credit that cannot be deducted for the calendar year during which you purchased shares and you cannot carry forward this amount to future tax years.

2. The redemption of shares before the end of the 7-year holding period will have tax consequences for the investor, unless the redemption takes place within the prescribed 30-day period following the purchase.

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