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Redeemable Savings

Grow your money and access it anytime with this short-term investment.

Invest now in Redeemable Savings.

Interest rate

2.25%

Terms available

1 year

Redeemability

Fully or partially redeemable

Why choose Redeemable Term Savings?

Guaranteed principal and interest

Your investment is guaranteed and earns interest at a fixed rate.

Competitive interest rates

Get a competitive rate for your term savings.

Redeemable anytime with no penalty

You can cash out all or part of your investment whenever you need it.

Redeemable term savings interest rates

Effective

TermInterest rate
1 year2.25%

Prefer a medium-term investment?

With Redeemable Climbing-Rate Term Savings, you get an increasing rate each year over a 3- or 5-year term. You can also redeem your funds once a year on the anniversary date.

Learn more about Redeemable Climbing-Rate Term Savings.

Eligible savings plans and accounts

Plan or accountMinimum investment
TFSA, RRSP, fixed-term annuity RRSP, locked-in RRSP, RRIF, LIRA, LIF and RDSP$1,000
Non-registered$1,000

Renew your term savings on AccèsD

If your term savings investment is eligible for renewal, you can renew it on AccèsD 60 days before maturity.

More information

Deposit insurance coverage

Your investment is eligible for deposit insurance, up to a certain limit.

Learn more about deposit insurance.

Eligible for member dividends

Term savings are included when calculating your member dividends, if your caisse or credit union pays them.1

Learn more about this investment's eligibility for member dividends.

FAQ

Purchase your Redeemable Savings

By phone

Montreal area:
514-224-7737 This link opens your phone app. (514-CAISSES)

Elsewhere in Canada:
1-800-224-7737 This link opens your phone app. (1-800-CAISSES)

Or we can call you when it's convenient.

Schedule a call to purchase your Redeemable Savings.

With an advisor

Book an appointment on AccèsD if you're a member, and meet with an advisor online, in person or over the phone.

Book an appointment on AccèsD.

Other term savings options

Redeemable Climbing-Rate Term Savings

Term Savings

Rates subject to change without notice. For a caisse to pay member dividends, 2 conditions must be met: Desjardins Group must have the financial capacity to pay member dividends. Members of the caisse must decide that it will pay member dividends. Members attending the caisse's annual general meeting decide how to distribute their surplus earnings, in accordance with all applicable legal requirements.