Fixed-rate term savings—also known as fixed-rate GICs (Guaranteed Investment Certificates)—are the only savings products that guarantee your capital and your interest returns.
No matter how the markets perform, you can know from day one exactly what your final returns will be.
- Original investment and interest 100% guaranteed;
- Deposits insured in accordance with the terms and conditions established by the Financial Services Regulatory Authority (FSRA).
- Eligible for TFSAs, RRSPs and other registered savings plans;
- Variety of interest payment options;
- Short, medium or long-term investments;
- Entitles you to any member dividends your caisse may pay.
Guaranteed Savings Products
Enhanced Savings Plan (Formely My S@vings Plan)*
- Flexible term savings, specifically designed for our members.
- How does it work? Set a savings goal amount, schedule regular transfers, and get support from others to reach your savings goal faster
- Flexible term savings.
- Fixed interest rate : 0.35% . Interest bonus each year. Additional bonus when goal is reached.
- Set a savings goal amount over a period of 6 months to 5 years, schedule regular transfers, and get support from others to reach your savings goal faster.
- Terms: 1 to 5 years
- Interest rate: fixed or climbing rate
- Eligible for registered (RRSP, TFSA) or non-registered plans
- Minimum deposit:
- $500 for registered plans
- $1,000 for non-registered plans
- Not redeemable before maturity
- Grow your money worry-free!
- Terms:
- 30 day to 5-year terms
- Fixed interest rate, determined based on the term selected;
- Eligible for registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF and non-registered plans
- Minimum deposit:
- $500 for registered plans
- $1,000 for non-registered plans
- $5,000 for terms of less than 1 year
- Access your funds at any time!
- Capital 100% guaranteed
- 1 year term
- Minimum deposit: $1,000
- Redemption terms: cashable at any time without charge. No interest paid if redeemed within 30 days after the purchase date
- Multiple interest rates = higher returns!
- 3 and 5-year terms
- Interest rate increases from year to year
- Eligible for registered plans: TFSA, RRSP, LIRA, locked-in RRSP, RRIF, LIF, RDSP and non-registered plans
- Minimum deposit of $1,000
- A simple way to ladder your maturities
- Capital 100% guaranteed, divided into equal portions
- 3 portions : terms of 1 to 3 years
- 4 portions : terms of 1 to 4 years
- 5 portions : terms of 1 to 5 years
- 1 portion or your investment matures each year
- Each portion earns interest at a different rate
- Interest is paid at your choice of frequency
- Grow your savings without converting your U.S. dollars!
- You want to make a U.S. dollar investment
- 1 to 5-year terms
- Non-registered plans only
- Minimum deposit of $5,000
Disbursement Products
- Turn your savings into income!
- Predictable income that’s guaranteed for a defined period
- Capital 100% guaranteed
- 1 to 5 year terms
- Withdraw 1 lump sum per year with no penalty, under certain conditions