Rates - Online term savings
Only available on AccèsD Internet and mobile, Term S@vings is an ideal product for self-directed investors who want to purchase a safe investment at a fixed or climbing enhanced rate that is guaranteed for the duration of the term.
Plan for your 2025 TFSA contribution today
Already contributed the maximum amount to your TFSA for 2024? Until December 31, 2024, invest your 2025 TFSA contribution in term savings and get a promotional rate of 4.15% online or 4.00% at a caisse or branch.
At maturity on January 2, 2025, your capital will be automatically transferred to your TFSA savings account.
Get this offer onlineCurrent rates on December 21, 2024
Eligible plans
- Registered plans: TFSA, FHSA and RRSP
- Non-registered plans
Minimum deposit
- Non-registered plans: $1,000
- Registered plans: $500
All Term S@vings
| Term | Interest rate |
|---|---|
| 1 year | 3.30 % |
| 2 years | 3.25 % |
| 3 years | 3.15 % |
| 4 years | 3.20 % |
| 5 years | 3.30 % |
Food for thought
Last updated: June 28, 2024
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.
- This promotional offer applies only to non-redeemable online Term S@vings savings products available on AccèsD. Rates are subject to change without notice. Some terms and conditions apply. The pre-TFSA promotion may end at any time.
- Upon maturity, the principal will be transferred to your Desjardins TFSA savings account and treated as a contribution for 2025, and the interest generated by your principal will be deposited in your non-registered Everyday Transaction Account and will be taxable. It's your responsibility to make sure that your contributions do not exceed your 2025 TFSA contribution room. A tax of 1% per month applies to excess contributions. To find out your TFSA contribution room, visit My Account at the Canada Revenue Agency (CRA) External link.. The unused TFSA contribution room provided by the CRA does not include contributions made during the current year. Your TFSA contribution room includes all TFSAs you hold, whether at Desjardins or another financial institution.