Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Subscribe to Capital régional et coopératif Desjardins (CRCD) shares

Help drive the growth and sustainability of companies across Quebec, receive a tax credit and benefit from a long-term return potential.

2024 share issue

The second phase for the 2024 share issue has begun.

If you're selected as an investor for this phase, you can subscribe until 4 PM on November 18, 2024.

How do you know if this investment is right for you?

  • You're willing to accept a certain amount of investment risk.
  • You've contributed the maximum to your RRSP.
  • You're interested in getting a tax credit to lower your tax bill.
  • You'd like to diversify your portfolio and benefit from the long-term return potential.
  • You're 18 or older and a resident of Quebec as at December 31 of the taxation year for which the tax credit is being claimed.

Tax credit

Receive a 30% Quebec tax credit, up to $900.

This credit may be transferred to spouses but is non-refundable and cannot be carried forward from year to year.

How to buy CRCD shares

There are 3 steps to the buying process.

  1. 1. Pre-subscription

    If you're a Quebec taxpayer, pre-subscription allows you to let us know you're interested in buying CRCD shares.

    This period ended on September 16, 2024, at 4 PM for the 2024 share issue.

    Sign up to get reminders for the next pre-subscription period.

    Sign up for email notifications

  2. 2. Shareholder selection

    If demand exceeds the authorized amount, investors who submitted a pre-subscription application will be selected at random.

    The random selection was held on September 23, 2024, for the 2024 share issue. Investors were notified of the next steps by email or mail.

  3. 3. Subscription

    Invest up to $3,000 per issue year.

    • Initial annual purchase: minimum $500
    • Subsequent purchases in the same year: increments of $100, up to $3,000

    If you're selected for this second phase, you can buy shares from 9 AM on October 30, 2024, to 4 PM on November 18, 2024.

    If you're a Desjardins member, you can log in to AccèsD and subscribe on your own.

    If you're not a member or need financial advice, book an appointment at a caisse.

    Find a caisse

What you need to know about CRCD shares

Mandatory holding period and redemption

  • The minimum holding period is 7 years.
  • In some cases, shares may be redeemed before the end of this period.
  • Shares are not transferable to another person, by sale or otherwise.
  • A redemption of shares may trigger capital gains or losses.
  • After a redemption, you can no longer claim a tax credit for the current tax year or any subsequent tax year on any new subscription.

Learn more about redeeming shares

Returns and share price

  • Returns are not guaranteed.
  • There are no interest or dividend payments.
  • The price of exchanged shares is always the same as the price of other shares. Share price is established twice a year, on June 30 and December 31, and announced within 90 days following these dates.
  • Transaction notices and semi-annual statements are sent to shareholders.

See current share price - – External link.

Non-eligible plans and fees

  • Not eligible for RRSPs, RRIFs or any other deferred tax plan (LIRA and LIF)
  • Fee charged when opening or closing an account: $50 (tax included)

Contact us

CRCD shares are not guaranteed investments. Their value and returns vary, and past performance is not indicative of future returns. Investment fees may apply. Read the prospectus before investing (PDF, 507 KB)

  1. The issue year runs from March 1st to the last day of February. Transactions must be concluded within the subscription period.