Desjardins

We list 25 Desjardins products, grouped by type below. Details come from Desjardins's own published pages; anything it does not publish is left out. We have not personally tested these products.

Official Desjardins website

Chequing

Desjardins

Basic plan

A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $1,500 is maintained throughout the month.

Monthly fee: $3.95
Transactions included: 12

Full details for Basic plan (opens in new tab)

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Desjardins

Everyday account (chequing account)

An everyday transaction account available with a transaction plan or individual transaction charges. Desjardins has a caisse network across Quebec and Ontario.

Full details for Everyday account (chequing account) (opens in new tab)

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Desjardins

Intermediate plan

A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $3,000 is maintained throughout the month.

Monthly fee: $10.95
Transactions included: 30

Full details for Intermediate plan (opens in new tab)

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Desjardins

Unlimited plan

A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $4,000 is maintained throughout the month.

Monthly fee: $15.95
Transactions included: Unlimited transactions

Full details for Unlimited plan (opens in new tab)

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Desjardins

Unlimited Plus plan

A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $5,000 is maintained throughout the month.

Monthly fee: $23.95
Transactions included: Unlimited transactions

Full details for Unlimited Plus plan (opens in new tab)

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Credit Cards

Desjardins

Cash Back Mastercard

A personal credit card with cash-back rewards on eligible purchases.

Annual fee: None
Purchase interest rate: 20.9%
Cash advance rate: 21.9%
Earn rate: Up to 2% on your purchases

Full details for Cash Back Mastercard (opens in new tab)

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Desjardins

Cash Back Visa

A personal credit card with cash-back rewards on eligible purchases.

Annual fee: None
Purchase interest rate: 20.9%
Cash advance rate: 21.9%
Earn rate: Up to 2% on your purchases

Full details for Cash Back Visa (opens in new tab)

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Desjardins

Cash Back World Elite Mastercard

A personal credit card with cash-back rewards on eligible purchases.

Annual fee: $100
Purchase interest rate: 20.9%
Cash advance rate: 21.9%
Earn rate: Up to 4% on your purchases

Full details for Cash Back World Elite Mastercard (opens in new tab)

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Desjardins

Flexi Visa

A personal credit card with a lower purchase interest rate and no annual fee.

Annual fee: None
Purchase interest rate: 10.9%
Cash advance rate: 12.9%

Full details for Flexi Visa (opens in new tab)

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Fixed and variable

Desjardins

Desjardins Mortgage

Mortgages from Desjardins caisses, mainly in Quebec and Ontario.

Full details for Desjardins Mortgage (opens in new tab)

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Home

Desjardins

Home insurance

Home insurance protects a home and belongings against common losses such as fire, theft and water damage. It suits homeowners, with optional coverage available for different types of water damage and online purchase available if eligible.

Optional coverages: Water damage coverages

Full details for Home insurance (opens in new tab)

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New vehicle loans

Desjardins

Auto+ Loan

Desjardins vehicle-secured loan offered at caisses and branches.

Minimum loan: $15,000
Security: Secured by the vehicle, so the rate is better than unsecured financing

Full details for Auto+ Loan (opens in new tab)

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No-fee accounts

Desjardins

Non-registered savings account

An accessible savings account for short-term goals or an emergency fund, with taxable interest and no service fees.

Savings interest rate: 0.55%

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Other

Desjardins

US Dollar Build-Up Savings Account

A US dollar savings and transaction account with tiered interest. Regular transactions are free when the monthly balance stays at US$1,000 or more.

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Personal lines of credit

Desjardins

Personal Line of Credit

Pre-authorized personal credit for short-term costs, purchases and unexpected expenses. Confirm your rate, limit and repayment requirements.

Provincial availability: Not confirmed. Ask the provider about residence and membership requirements.

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Registered and Retirement Accounts

Desjardins

FHSA – Savings Account

A first-home savings account with tax-deductible contributions and tax-free qualifying home-purchase withdrawals.

Savings interest rate: 2.00%

Full details for FHSA – Savings Account (opens in new tab)

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Desjardins

Regular savings account

A short-term savings account available in registered and non-registered forms. Registered accounts earn 0.55% and non-registered accounts earn 0.05%.

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Desjardins

RRSP – Savings Account

A retirement savings account with tax-deductible contributions and taxable withdrawals.

Savings interest rate: 0.55%

Full details for RRSP – Savings Account (opens in new tab)

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Desjardins

TFSA – Savings Account

A savings account with tax-sheltered growth and tax-free withdrawals within TFSA limits.

Savings interest rate: 0.35%

Full details for TFSA – Savings Account (opens in new tab)

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Renters

Desjardins

Tenant insurance for renters

Tenant insurance protects renters’ belongings against fire, theft and water damage and includes liability coverage. It suits renters because the landlord’s insurance does not cover their belongings; online purchase is available if eligible.