Financial program for military personnel

Financial program for military personnel

As a military personnel member, take advantage of a financial program designed to meet your needs:

  • The Unlimited plan for $7.95 monthly (monthly rebate of $8)
  • Line of credit at Desjardins prime plus 2%
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To get the financial program, you must be a member of, a reservist or civilian employed with the National Defence and sign up to have your pay directly deposited into your account at the caisse where the program is held, if that’s not already the case.

Your spouse can enjoy the same benefits provided he or she is a member of your caisse.

See the Financial program for military personnel brochure (PDF, 1.01 MB) - 

Desjardins: with you everywhere, at any time

You can manage your personal finances easily and quickly from home or anywhere in the world with AccèsD Internet and mobile:

  • at 1-800-CAISSES (1-800-224-7737)
  • online, on your computer or mobile, 24 hours a day, 7 days a week

Moreover, our large physical network has over 335 caisses in Quebec and Ontario, more than 2,200 ATMs and nearly 1,200 service outlets.

See for yourself!

Find a service outlet

Accounts – Marry efficiency with savings

Plan with unlimited transactions

Unlimited transactions plan at $7.95 a month (monthly rebate of $8), using any access method (AccèsD, debit card, cheques and Desjardins ATMs).

Associated services – Make managing your money easier

Overdraft transfer – Avoid nasty surprises

Protect your account, without a registration fee, with a cash advance from your Desjardins credit card or Desjardins line of credit.

Credit cards – Take advantage of a generous rewards program

Depending on the card you choose (certain Desjardins credit cards have annual fees):

  • Get up to 4% of your purchases in cash back rewards or BONUSDOLLARS
  • Travel insurance, mobile devices, purchase protection and extended warranty are included
  • Get up to 25% off the rental rate on Hertz®, Thrifty® and dollars® vehicles

For more details, visit Credit cards.

Desjardins savings products – To make your assets grow

Savings accounts:

A variety of accounts for saving for the short-term, reaching a goal or setting money aside for a major investment.

  • Various ways available to build capital
  • Deposits, withdrawals, transfers permitted at all times
  • Non-registered and registered savings

For more information, visit Savings accounts.

Desjardins financing products, partners in your projects

Lines of credit – Take advantage of a flexible financing solution

Get financing tailored to your needs, while making the most of reduced rates granted on:

  • Personal Line of Credit and Investor Strategic Line of Credit: Desjardins prime rate plus 2%

Mortgage financing – Finance your real estate project

Finance your real estate projects while making the most of the exclusive advantages offered to you:

  • Relaxation of mortgage indemnity on change of base of assignment (transfer)

Home and auto group insurance

As a member of the Department of National Defence, you're also eligible for group home and auto insurance through The Personal. Take advantage of exclusive rates not available to the general public, personalized coverage for military personnel, and so much more.

For more information, call 1-888-476-8737 or visit the The Personal website.

Conditions apply to all products, services and benefits offered. Financing offers (Desjardins credit cards, payment methods and all other forms of financing) are subject to credit approval.

* Trademarks of Visa Int., used under licence.

† Registered trademark of Interac Inc., used under licence.

Hertz® is a registered trademark of Hertz System, Inc., used under licence. © 2018 Hertz System, Inc.

Dollar® and Thrifty® are registered trademarks of DTG Operations, Inc., used under licence. © 2018 DTG Operations, Inc.

May not be combined with any other offer or promotion. Content of the financial program for military personnel may change without prior notice.

  1. The prime rate is the annual variable interest rate that is publicly and occasionally set by Desjardins, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
  2. Except Visa Desjardins cards.
  3. Free if you maintain a $4,000 minimum monthly balance in your account. Enjoy a discounted rate of $7.95 per month on the Unlimited Plan and save $8 on the current rate (12 months x $8 = $96 in savings).
  4. For withdrawals at non-Desjardins Interac† and Plus* affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. In addition, some ATM operators may charge additional fees. They must inform you of the fee via an on-screen message before processing the transaction. You then have the option of cancelling the transaction. These fees are added to the withdrawal amount and paid directly to the ATM operator. For more information, see the Service fees guide (also available at your caisse) .
  5. The applicable fee is the interest on the cash advance, calculated at the Desjardins credit card or line of credit rate as of when the cash advance is granted.
  6. Service may be suspended due to the available credit limit for overdraft transfer, the card conditions or applicable credit and security rules. Details and conditions on the Overdraft transfers page.
  7. In accordance with the terms and conditions of your line of credit agreement.
  8. You have between 21 and 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest.
  9. Cash back and BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back.
  10. Insurance coverage applies to you, your spouse, and your dependent children and grandchildren. Your spouse and dependent children and grandchildren must accompany you throughout the trip to be covered by the travel insurance. If you're taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Insurance coverage underwritten by Desjardins Financial Security Life Assurance Company. This document is for information purposes only. Some conditions and restrictions apply. For more details, refer to the insurance policies.
  11. In the event your cell phone, smartphone or tablet is lost, stolen or accidentally damaged or experiences mechanical failure. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries and affiliates carry on business in Canada under the name of Assurant Solutions®. ®Assurant Solutions is a registered trademark of Assurant, Inc. Details of your insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance provided with your card. The Certificate of Insurance is also available on our Credit cards page.
  12. This flexibility applies when a military member, reservist or civilian from the Department of National Defence is relocating or is posted to a territory not served by a Desjardins caisse. A request must be submitted to benefit from this program and obtain, depending on the situation, a reimbursement or exemption of the mortgage indemnity. Certain eligibility conditions apply, and the offer is subject to change without notice. For more information on this flexibility or the proof required, please contact your caisse. For more information on current rates, see our Mortgage rates page.
  13. The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories. The Personal® and related trademarks are trademarks of The Personal Insurance Company, used under licence. Certain conditions, limitations and exclusions may apply.