My S@vings Plan

Are you between 12 and 30 years old? Get a boost to help you achieve your ambitions!

Is this type of saving for you?

  • You are between 12 and 30 years old.
  • You are looking for a flexible savings method to achieve your ambitions.
  • In addition to saving at a great rate, you want to see your interest accumulate and improve each year.
  • You would like to invite family and friends to support your project financially.
  • You want to benefit from a bonus when you reach your savings objective.

Main features :Capital and interest rate 100% guaranteed

Terms offered :Flexible term savings, completely designed for our members aged 12 to 30

Interest rate :In addition to saving at an advantageous rate, your interest accumulates and is subsidized each year

Bonus :Also receive a bonus when you reach your savings goal

Eligible plans :TFSAs, RRSPs and other retirement plans

Calculate the transfer amount you need to reach your goal


Save to achieve your goals

Set a savings goal amount, schedule regular transfers and get support from others to reach your savings goal faster.

Support from others

Approach your friends and family for financial support to meet your goal.

A unique key in the request lets them transfer funds toward your goal.


You get a higher rate, and a bonus on the interest earned each year.
You also get a bonus when you reach your savings goal amount.

Easy tracking

  • Track your progress on your mobile device or computer.
  • Modify your goal along the way, whenever you want.

Information is for demonstration purposes only


  • Target date can be changed at any time. You have up to 5 years to meet your goal.
  • Set transfer amount and frequency according to your saving capacity.
  • Stop saving toward your goal whenever you want.


More information

Want to know more about guaranteed fixed-rate investments (GICs)

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.

Term savings are the first step to a diversified investment portfolio:

  • Original investment and interest 100% guaranteed;
  • Deposits insured in accordance with the terms and conditions established by the Deposit Insurance Corporation of Ontario (DICO).
  • Eligible for TFSAs, RRSPs and other registered savings plans;
  • Variety of interest payment options;
  • Short, medium or long-term investments;
  • May be eligible to member dividends your caisse may pay.


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