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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 3.75%
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, in full or in part, according to their purchase anniversary date. More details
 

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
 
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.
Features: Redeemable at maturity. 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 June 1, 2026. Savings Bonds issued in June remain at 3.00%. More details

Bonus of 1.25% of the interest rate fixed in the first year for new FHSA funds.
Feature: Redeemable at any time.

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

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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