Purchase shares
2025 share issue
The next pre-subscription for shares is expected to begin at the end of August.
Sign up to get reminders for the next pre-subscription period.
Budget decisions affecting Capital régional et coopératif Desjardins
In its recent budget, the Quebec government unveiled new capitalization conditions.
New Features
• Autorised annual subscription amount set at $150 million
• Provincial tax credit set at 25%
• Maximum holding period of 14 years for new purchased shares
• Lifetime subscription limit of $45,000
Until the next pre-subscription campaign, CRCD is making every effort to reflect these changes in its platforms and documentation. CRCD will also take the necessary time to decide on other terms, such as the maximum purchase amount per share issue.
Pre-subscription
The pre-subscription allows you to let us know you're interested in buying CRCD shares.
For the 2025 share issue, the pre-subscription is expected to begin at the end of August and will last for 3 weeks. During this period, interested people will need to complete a request using the secure form available on this page or on the Desjardins website.
Purchase process
If demand for shares exceeds the authorized amount, a random selection will be use among people who have completed the pre-subscription form.
If demand for shares is less than the authorized amount, all investors who have complete the form will be able to buy shares.
For the 2025 share isse, this random selection will be scheduled for the end of September if necessary.
Subscription
If you're a Desjardins member, whether you're a CRCD shareholders or not, you will be able to subscribe directly online via AccèsD.
Investors who do not use AccèsD or wish to obtain financial advice or support should contact a Desjardins caisse.
Product features
- Available to all Quebec taxpayers (deemed residents of Quebec as at December 31 for tax purposes) over 18 years of age, whether Desjardins members or not
- Minimum annual purchase of $500 (and in units of $100 after that)
- Non-refundable Quebec tax credit of 25% of the amount invested
- Tax credit may be transferred between spouses, but cannot be carried forward to a subsequent tax year
- Minimum holding period of 7 years, with a maximum duration of 14 years for shares acquired after March 1, 2025
- Lifetime subscription limit of $45,000 on the cost of personally acquired shares, regardless of their current market value
- 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, possibility of capital gains or losses at redemption
- Upon redemption or reaching the cap, loss of the tax credit for any new subscription
- Administrative charges of $50 (taxes included) required when opening and closing an account
Reasons to invest
- You have a high taxable income
- You've maxed out your RRSP contributions
- You're 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 want to contribute to regional socioeconomic development
Note
CRCD shares are not guaranteed. Their value and returns vary, and past performance is not indicative of future returns. Investment fees may apply. Please read the prospectus before investing.
Email notifications
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