Regular Income Term Savings
Invest your money and get guaranteed returns and regular income for a set period.
Not a member? Schedule a call to book an appointment.
Interest rate
2.80% to 3.20%
Terms available
1 to 5 years
Why choose Regular Income Term Savings?
Guaranteed principal and interest
Your investment is guaranteed and earns interest at a fixed rate.
Regular, guaranteed income
You get regular payments made up of your principal and interest.
Flexible payments
You choose the amount and frequency of your payments. If needed, you can make changes on the anniversary date of your investment.
Regular Income Term Savings interest rates
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| Term | Interest rate |
|---|---|
| 1 year | 2.80% |
| 2 years | 2.85% |
| 3 years | 2.90% |
| 4 years | 3.00% |
| 5 years | 3.20% |
Eligible savings plans and accounts
| Plan or account | Minimum investment |
|---|---|
| TFSA | $10,000 |
| Non-registered | $10,000 |
Payment setup
You can change your payment amount or frequency once a year, on the anniversary date of your term savings.
| Frequency options | Payment amount can be changed |
|---|---|
| Weekly | Yes. |
| Every 2 weeks | Yes. |
| Monthly | Yes. |
| Every 3 months | Yes. |
More information
Deposit insurance coverage
Your investment is eligible for deposit insurance, up to a certain limit.
Eligible for member dividends
Term savings are included when calculating your member dividends, if your caisse or credit union pays them.
Book an appointment to invest in term savings
By phone
Montreal area:
514-224-7737 This link opens your phone app. (514-CAISSES)
Elsewhere in Canada:
1-800-224-7737 This link opens your phone app. (1-800-CAISSES)
Or we can call you when it's convenient.