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Redeeming Capital régional et coopératif Desjardins (CRCD) shares

Want to request a share redemption? Here’s how it works, with some tax considerations to keep in mind.

Redemption after 7 years

You must hold your CRCD shares for at least 7 years. You can request to redeem your shares after this mandatory holding period. Contact your caisse advisor to discuss what’s best for you based on your plans and investor profile. 

If you purchase shares after March 1, 2025, you must hold them for a minimum of 7 years and a maximum of 14 years.

Features

  • You can request a total or partial redemption

  • Shares are not transferable to another person, by sale or otherwise

  • An administrative fee of $50 is payable on closing the account

Tax considerations

  • Tax credit revoked for the current tax year or any subsequent tax year on any new subscription or exchange.

  • Capital gains or losses may occur at redemption. Capital gains are taxable and must be reported in your tax return. A loss for tax purposes must be reduced by any tax credit already obtained.

  • A tax slip is issued so you can declare securities transactions for the tax year in which shares were redeemed.

Learn more about share redemption tax considerations.

How to request share redemption

If you’re a Desjardins member, you can request to redeem shares on AccèsD. The redemption amount will be deposited directly to your account.

  1. Log in to AccèsD.

  2. Under Accounts, select See all.

  3. On the Account summary screen, select CRCD.

  4. On the Details screen, select Apply for share redemption and follow the instructions.

  1. Log in to AccèsD.

  2. On the AccèsD home page, go to the Savings and investments section then select   optionsto the right of Capital régional et coopératif Desjardins (CRCD).

  3. Select Apply for share redemption after 7 years from the options menu and follow the instructions.

Not a member or have questions? Contact an advisor to discuss your options.

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Redemption before 7 years

In certain exceptional cases, you may request that your shares be redeemed or purchased by agreement by CRCD before the redemption eligibility date:

  • Within 30 days of subscription
  • Absence of tax credit (tax credit not received)
  • Death
  • Severe and permanent mental or physical disability
  • Terminal illness
  • Emigration from Canada
  • Urgent need for cash

Terms and conditions apply. You must show proof that requirements for the exception have been met. If your request is accepted, shares are generally redeemed no more than 30 days after all the required documents have been submitted.

Learn more about exceptions for redeeming shares.

Contact us

By phone

Contact an agent at Investor Relations.

1-888-522-3222  This link opens your phone app.

In person

Book an appointment near you.

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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.