Guaranteed fixed-rate investments (term savings)
Plan for your 2025 TFSA contribution today
Already contributed the maximum amount to your TFSA for 2024? Until December 31, 2024, invest your 2025 TFSA contribution in term savings and get a promotional rate of 4.15% online or 4.00% at a caisse or branch.
At maturity on January 2, 2025, your capital will be automatically transferred to your TFSA savings account.
Get this offer online- Also known as GICs (guaranteed investment certificates)
- Final returns guaranteed from the start, no matter how the markets perform
- Capital and interest guaranteed
- Regular interest income payments
Guaranteed fixed-rate investments (term savings) offer many reassuring advantages. The final returns are guaranteed from the start, no matter how the markets perform, your capital and interest are guaranteed, and you can benefit from regular interest income payments.
A solid foundation
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
- Deposit insurance: Learn more about deposit insurance
- Eligible for TFSAs, RRSPs and other registered savings plans
- Variety of interest payment options
- Short-, medium- or long-term investments
- Capital 100% guaranteed
- Terms: 1 to 5 years
- Interest rate: 3.60% to 3.30% fixed rate, based on the term selected, guaranteed for the duration of the term)
- Redemption terms: not redeemable before maturity
- Capital 100% guaranteed
- 30-day to 10-year terms (phone and in-caisse requests)
- Interest rate: 1.70% to 3.20% (fixed, guaranteed until maturity)
Formerly My Savings Plan
- Flexible term savings.
- Fixed interest rate: 1.45%. Interest bonus each year. Additional bonus when goal is reached.
- Set a savings goal to be met over a period of 6 months to 5 years, schedule regular transfers and get support from others to reach your savings goal faster.
- Capital 100% guaranteed
- 1-year term
- Interest rate: 2.25% (guaranteed until maturity)
- Redemption terms: cashable at any time without charge at the caisse and on AccèsD. No interest paid if redeemed within 30 days after the purchase date.
- Capital 100% guaranteed
- 3- and 5-year terms
- Interest rate increases from year to year, guaranteed until maturity
- Redeemable on the anniversary date under certain conditions
- Capital and interest guaranteed
- 1- to 5-year terms
Your goal: to receive a high income made up of interest from your investments and periodic payouts of your original capital.
- Capital 100% guaranteed
- 1- to 5-year terms
- Fixed interest rate, guaranteed until maturity
- Withdraw 1 lump sum per year with no penalty, under certain conditions
- Income is made up of interest and periodic payouts of your original capital
- You can choose the term, frequency and amount of your regular income payments
- 1- to 5-year terms (phone and in-caisse requests)
- This promotional offer applies only to non-redeemable online Term S@vings savings products available on AccèsD. Rates are subject to change without notice. Some terms and conditions apply. The pre-TFSA promotion may end at any time.
- Upon maturity, the principal will be transferred to your Desjardins TFSA savings account and treated as a contribution for 2025, and the interest generated by your principal will be deposited in your non-registered Everyday Transaction Account and will be taxable. It's your responsibility to make sure that your contributions do not exceed your 2025 TFSA contribution room. A tax of 1% per month applies to excess contributions. To find out your TFSA contribution room, visit My Account at the Canada Revenue Agency (CRA) External link.. The unused TFSA contribution room provided by the CRA does not include contributions made during the current year. Your TFSA contribution room includes all TFSAs you hold, whether at Desjardins or another financial institution.
