Buy shares
2026 share issue
The subscription period begins at 9 a.m. on September 1, 2026. You’ll be able to buy shares on a first-come, first-served basis.
Sign up to get reminders for the next pre-subscription period.
How to buy CRCD shares
If you're a Quebec taxpayer, pre-subscription allows you to let us know you're interested in buying CRCD shares.
This period ended on September 23, 2025, at 4 PM for the 2025 share issue.
The share issue has changed. Starting in 2026, there will no longer be a pre-subscription period. The share issue will begin directly with the subscription period.
Subscription
The subscription period will begin at 9 AM on September 1, 2026. Shares will be issued on a first-come, first-served basis until the government's authorized limit of $155 million is reached.
Invest up to $5,000 per issue year*.
Your first purchase in each offering year must be at least $500
Subsequent purchases in the same year: increments of $100, up to $5,000
Lifetime subscription limit of $45,000 for individuals, regardless of current market value.
If you're a Desjardins member, you can subscribe independently through AccèsD.
If you are not a member or if you would like financial advice, book an appointment at your caisse.
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
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 $5,000*
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, FHSAs, RRSPs, RRIFs or any other registered plan
Return not guaranteed, possibility of capital gains or losses at redemption
After redeeming shares, you can't claim a tax credit for the current tax year or any future subscriptions.
Administrative charges of $50 (taxes included) required when opening and closing an account
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.
* The issue year runs from March 1st to the last day of February. Transactions must be concluded within the subscription period.