How to buy CRCD shares

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.

Find a 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

FAQ - New Features

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 1^st to the last day of February. Transactions must be concluded within the subscription period.