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Épargne Placements Québec

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Rates in effect

Rates effective since

Step-Up Bonds

The 10-year average yield is 3.77%
Term 10 years
Year 1 2 3 4 5 6 7 8 9 10
Annual Rates (%) {{json.produits[0].Data[0].Taux | number}} {{json.produits[0].Data[1].Taux | number}} {{json.produits[0].Data[2].Taux | number}} {{json.produits[0].Data[3].Taux | number}} {{json.produits[0].Data[4].Taux | number}} {{json.produits[0].Data[5].Taux | number}} {{json.produits[0].Data[6].Taux | number}} {{json.produits[0].Data[7].Taux | number}} {{json.produits[0].Data[8].Taux | number}} {{json.produits[0].Data[9].Taux | number}}

Bonus of 1.25% of the interest rate fixed in the first year for new FHSA funds.
Feature: Redeemable annually, according to issue date. More details
 

Ongoing promotion

Get 3.60% each year on 5-year Fixed-rate Bonds.
Fixed-Rate Bonds
Term {{item.Terme}}
yr yrs
Annual Rates (%) {{item.Taux | number}}

Bonus of 1.25% of the interest rate fixed in the first year of the term only for new FHSA funds with a term of 3 years or more.
Feature: Redeemable at maturity. The 7-, 8- and 9‑year terms are currently not for sale. More details
 

Fixed-Rate Green Bonds
Term {{json.produits[2].Data[0].Terme}} years
Annual Rates (%) {{json.produits[2].Data[0].Taux | number}}

Bonus of 1.25% of the interest rate fixed in the first year of the term only for new FHSA funds.
Feature: Redeemable at maturity. More details
 
Ongoing promotion

Benefit from a maximum return of up to 400% on the 10-year term!
Stock Index Bonds
Issue {{json.produits[5].Data[0].Emission | date}} {{json.produits[5].Data[1].Emission | date}}
Term {{json.produits[5].Data[0].Terme}} years {{json.produits[5].Data[1].Terme}} years
Maturity {{json.produits[5].Data[0].Echeance | date}} {{json.produits[5].Data[1].Echeance | date}}
Maximum Yield {{json.produits[5].Data[0].Rendement}} {{json.produits[5].Data[1].Rendement}}
Reference Index Indice Québec 30
Sale Period From to 

Bonus of 1.25% applied to the invested principal of new FHSA funds.
Feature: The maximum yield is determined at each issue and can be different for subsequent issues. More details
 
Savings Bonds

Guaranteed minimum interest rate the first year.
Annual Rates (%) {{json.produits[6].Data[0].Taux | number}} * Set by the Minister of Finance according to market conditions.
Québec Savings Bonds are not on sale at the present time.
Savings Bonds are on sale until
inclusively

* All outstanding Savings Bonds issued in November have been at this rate since November 1, 2025. Savings Bonds issued in June remain at 3.00%.

Bonus of 1.25% of the interest rate fixed in the first year for new FHSA funds.

Flexi-Plus Savings
Annual Rates (%) {{json.produits[7].Data[0].Taux | number}} Regardless of the amounts accumulated

Features: Redeemable at any time. Interest is calculated daily and added to the product balance on the 15th day of the month. More details

Sécuri+ Bonds
Annual Rates (%) {{json.produits[4].Data[0].Taux | number}}

This savings product is no longer for sale
 

Note :  

The rates may be changed without notice. In addition, as mentioned in the legal notes of this website, in the event of a discrepancy between a rate shown on this page and that given in a ministerial order of the Minister of Finance, the text of the ministerial order takes precedence.

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