Buying shares

The pre-subscription period for the 2022 is over.

Selected investors will be able to subscribe online as of 9 AM on September 27.


Buying shares

The pre-subscription period for the 2022 is over.

Selected investors will be able to subscribe online as of 9 AM on September 27.


2022 share issue

  • The pre-subscription period for the 2022 is over.
  • Demand for shares exceeded the authorized limit of $ 140 million.
  • A random selection will take place on September 26, 2022.
  • Selected investors may submit their subscription from 9 AM, September 27 to 5 PM October 31 2022.

Purchase process

If demand for shares exceeds $140 million, a random selection process will be used.

If demand for shares is less than $140 million, all investors who have complete the form will be able to buy shares.


The pre-subscription period ended on 5 PM September 19 2022.

During the pre-subscription phase, interested investors had to fill out the application using the secure form on this page or via the, Desjardins website.

Email notification

To make sure you don't miss the next pre-subscription period, sign up for an email notification today.

Sign up

Subscription (selected investors only)

Investors who filled out a pre-subscription form will be notified by email or mail (as per their preference) within a few days of the selection.

Selected investors may subscribe form September 27 to october 31, 2022.

All selected investors will be able to subscribe directly online via AccèsD without having to make an appointment at a caisse. They don’t have to be an existing CRCD shareholder. Investors who don't use AccèsD or wish to obtain financial advice or support should contact a Desjardins caisse to make an appointment with an advisor.

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.


Cautionary note

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