Products offered
These products were carefully designed to offer flexible savings solutions to suit different financial objectives. Whether you are looking for immediate liquidity, the security of a fixed return or long-term growth, our diverse range has something for you.
There are no management or administration fees for any of the products offered.
Benefit from a competitive interest rate you know in advance!
Redemption
Redeemable at maturity or annually on the anniversary date (in full or in part, without penalty)
Term
10 years
Advantages
- Guaranteed capital and interest income.
- Interest rate known in advance over 10 years.
- Choice of simple or compound interest.
- Minimum purchase of $100.
- 1.25% bonus applied to the first year’s interest rate on new FHSA. Certain conditions apply.
Benefit from high interest income known in advance!
Redemption
Redeemable at maturity according to the term chosen.
Term
1 through 6 years, or 10 years
Advantages
- Guaranteed capital and interest income.
- Fixed interest rate, depending on term chosen.
- Choice of simple or compound interest.
- Minimum purchase of $100.
- 1.25% bonus on new FHSA contributions, added to the first year’s interest rate on Fixed-Rate Bonds with terms of 3, 4, 5, 6 or 10 years. Certain conditions apply.
Invest your money safely while protecting the environment!
Redemption
Redeemable at maturity.
Term
5 years
Advantages
- Guaranteed capital and interest income.
- Fixed interest rate, depending on term chosen.
- Choice of simple or compound interest.
- Financed projects that protect the environment.
- Minimum purchase of $100.
- 1.25% bonus on the first year’s interest rate on new FHSA contributions. Certain conditions apply.
Stock Index Bonds
Benefit from guaranteed capital and a return based on the stock market performance of leading Québec businesses!
Redemption
Redeemable at maturity of chosen term.
Choice of term
5 or 10 years
Advantages
- Fully guaranteed capital.
- Advantageous maximum returns that vary with each issue.
- Minimum purchase of $100.
- 1.25% bonus applied to the invested principal of new FHSA funds. Certain conditions apply.
Savings Bonds
Access your money anytime!
Sales periods
May 1 to June 1
October 1 to November 1
Redemption
At any time, without penalty.
Term
10 years
Advantages
- The most flexible guaranteed savings product.
- Guaranteed capital.
- Choice of simple or compound interest.
- Interest rate set annually based on the market.
- Minimum interest guaranteed for one year.
- Minimum purchase of $100.
- 1.25% bonus on the first year’s interest rate of new FHSA funds. Certain conditions apply.
Flexi-Plus Savings
Benefit from a high-interest product that gives you access to your money at all times to manage your cash flow efficiently!
Redemption
Redeemable at any time, without penalty.
Term
None
Advantages
- Guaranteed capital and interest income.
- Advantageous interest rates that vary with the market.
- Interest calculated on daily closing balance and compounded monthly.
- Minimum purchase of $10.
Periodic Savings (savings method)
Save money without thinking about it, through bank withdrawals or payroll deductions!
Redemption
Redeemable at any time, without penalty.
Term
None
Advantages
- Helps develop good savings habits.
- Helps you save for a project or for retirement.
- Sums invested in Flexi-Plus Savings at an advantageous interest rate.
- Possibility to change the amount and frequency of withdrawals at any time.
- Minimum withdrawal of $10 at the frequency of your choice.
