Purchase shares

The 2024 share issue has ended.

Email notifications

Pre-subscription

The pre-subscription allows you to let us know you're interested in buying CRCD shares.

For the 2024 share issue, the pre-subscription was held from August 26, 2024, 9 a.m. to September 16, 2024, at 4 p.m. During this period, interested people had 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.

The random selection was held on September 23, 2024, for the 2024 share issue. Investors were notified of the next steps by email or mail.

Subscription

For 2024 all shares have been issued.

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.

Find a 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) up to a maximum of $3,000
Non-refundable Quebec tax credit of 30% 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
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
On redemption, loss of tax credit on 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 the growth and sustainability of Quebec companies and cooperatives.

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.