Redeemable Climbing-Rate Term Savings
Multiple interest rates
- Capital 100% guaranteed
- 3- and 5-year terms
- Average interest rate: Interest rate increases from year to year, guaranteed until maturity
- Redeemable on the anniversary date under certain conditions
It's ideal if you want to earn an attractive returns or save for a medium-term project.
Interest rate
- Increases from year to year
- Guaranteed until maturity
Eligible plans
- Registered plans: TFSA and RDSP
- Non-registered plans
Minimum deposit
$1,000
Return
- High
- Interest paid annually or at maturity1
Redemption
- Redeemable: On the anniversary date, you can redeem all or part of your savings without penalty. Partial withdrawal of at least $1,000 of your savings if you maintain a minimum balance of $1,000.
Renewal
- On your own on AccèsD.
- Through an AccèsD Services advisor :
- Montreal area: 514-CAISSES (514-224-7737).
- Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737).
- At the caisse.
Other
- Learn more about deposit insurance
- Eligible for potential member dividends (RDSP ineligible):
Learn more about member dividends - Example of a term deposit certificate
1. For income tax purposes, interest declared annually is based on average return at maturity.
- Increasing yield: Interest rate that increases every year
- Flexible:
- You can redeem all or part of your investment at anniversary dates
- Ideal when interest rates are rising
- Stable and secure: your capital and interest are guaranteed
Rate subject to change without notice.