Rates - RRSP loans
The Desjardins RRSP Loan and Accord D RRSP financing are financing products that let you contribute to your RRSP or take advantage of unused contribution room.
Current rates on December 3, 2024
| RRSP loan | Term | Interest rate |
|---|---|---|
| Accord D RRSP financing - Fixed rate | 1 year | 7.20% |
| Accord D RRSP financing - Fixed rate | 3 years | 7.30% |
| Term | Interest rate |
|---|---|
| 1 year | 7.20% |
| 2 years | 7.25% |
| 3 years | 7.30% |
| 4 years | 7.35% |
| 5 years | 7.40% |
| 6 years | 7.50% |
| 7 years | 7.60% |
| 8 years | 7.70% |
| 9 years | 7.80% |
Accord D RRSP financing
Principal payments can be deferred for a 6-month period until you get your income tax refund. Ask your advisor to find out if you're eligible.
| Term | Interest rate |
|---|---|
| 1 year | 7.20% |
| 2 years | 7.25% |
| 3 years | 7.30% |
| 4 years | 7.35% |
| 5 years | 7.40% |
| 6 years | 7.50% |
| 7 years | 7.60% |
| 8 years | 7.70% |
| 9 years | 7.80% |
| Term | Interest rate |
|---|---|
| 1 year | 7.20% |
| 2 years and more | 7.20% |
Food for thought
Learn more about our RRSP loan
Learn more about our Accord D RRSP financing
Rates may:
- change without notice
- vary depending on your credit rating, amount borrowed, guarantees provided or other factor
Certain conditions apply.
Borrowing to invest is a leverage opportunity. If the loan amount is invested in investment funds, the risk is even higher.
See a Group Savings Representative to find out more.
Interest rates recommended by Fédération des caisses Desjardins du Québec to all its caisses.
- In Ontario, the annual percentage rate (APR) is equal to the posted interest rate, assuming there are no additional charges applicable to the loan. Should there be such charges, the APR might be different. Does not apply to Accord D financing.
- During this period, only interest is payable. At the end of the deferred principal payment period, both principal and interest are to be repaid.