To value and nurture the best of Québec entrepreneurship

Buying Shares

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2018 share issue

  • Invest up to $3,000
  • Receive a 35% Quebec tax credit ($1,050 max.)
  • Help drive the growth and sustainability of local companies

Read the press release

Acquisition process

As in past years, a random selection process will be used for the 2018 share issue subscriptions if demand exceeds $140 million. Investors interested in the product will have to make a pre-subscription request between 9 a.m. on September 4, 2018 and 5 p.m. on September 24, 2018 using the secure web form available during this period at or via AccèsD.

If demand for the shares is less than $140 million, all investors who have filled out the online form will have the option to obtain shares.

Investors selected at the end of the pre-subscription period will have until November 9, 2018 to complete their subscription.

Major innovation in 2018

  • Selected investors who are already CRCD shareholders will be able to subscribe independently online via AccèsD, without having to make an appointment at a caisse. Anyone who is not an AccèsD user or an existing shareholder will have to make arrangements with a caisse advisor.
  • Also, to be sure not to miss the pre-subscription period, investors can sign up for an email alert starting on June 15, 2018 at

Product features

  • Available to all Québec taxpayers (deemed residents of Québec as at December 31 for tax purposes), members of Desjardins or not
  • Minimum annual purchase of $500 (and in units of $100 after that). Maximum to be determined in the next few weekds
  • Non-refundable tax credit in Québec of 35% of the amount invested
  • Tax credit may be transferred between spouses, but not carried forward to a subsequent tax year
  • Seven-year holding period
  • Investment is independent of workers’ funds (which means investors can subscribe for shares in a workers’ fund as well as shares of CRCD)
  • Not eligible for TFSAs, RRSPs, RRIFs or any other registered plan
  • Return not guaranteed, potential capital gain or loss on redemption
  • On redemption, loss of tax credit on any new subscription
  • Administrative charges of $50 (taxes included) are payable on account opening and closing

Investment advantages

  • You have a high taxable income
  • Your RRSP no longer gives you income tax savings
  • You are looking for ways to reduce your tax bill
  • You want to diversify your portfolio
  • You want an attractive tax credit and long-term return potential
  • You are interested in contributing to the growth and continuity of Québec companies and cooperatives

CRCD shares are not garanteed, their value fluctuates and their past performance is not indicative of their futur returns. Investment fees may apply. Please read the prospectus before investing.