Products and services

Discover the products and services suited to young people’s needs.

Desjardins Youth Profit Account

Account created with 18- to 25-year-old students in mind.

• Interest rate higher than those of traditional accounts.
• $4 rebate on monthly service charges, which amounts to $48 a year.
• Account holders get a Desjardins Access Card for their transactions at an ATM, on AccèsD and at the caisse counter.

To find out more, see Desjardins Youth Profit Account in the Students section.

Desjardins Chrome Program

This program is designed to inform and entertain 12- to 17-year-old Desjardins caisse members, while encouraging them to develop good savings habits.

To become Chrome members, teens must fill out the online application. It’s free!

Here are some of the advantages and privileges offered exclusively to Chrome members:

• Desjardins Chromatic Savings is a savings plan that offers a higher interest rate to encourage teens to save. There’s also a contest that gives teens who reach their objective the chance to win the equivalent of their savings (up to $500).
• Information bulletins that discuss current events, provide financial information and describe the current Chrome contest.
• A birthday card with a special gift: a music CD offered only to Chrome members.
• Year-round, exclusive contests described in information bulletins or the world of Chrome.
• A membership card to get tons of discounts and privileges at several Chrome merchants.

To find out more, see the world of Chrome in the Teen portal.

Accident insurance (Accirance)

Accirance protects you against the financial consequences of an accident, anytime and anywhere around the world!

• Children are automatically insured 15 days after their birth if an Accirance contract is already in force.
• You get complimentary access to telephone assistance services, such as Convalescence Assistance, Psychological Assistance and Health Assistance.

To find out more, see Accident insurance in the Products and services section.

Desjardins Savings-Life insurance

Simple and accessible, this insurance protects you and your family from the financial repercussions linked to a death.

• You can take out a policy for only a small amount (e.g.: $10,000).
• Low premiums, since Savings-Life Insurance is a group insurance product.

To find out more, see Savings-Life Insurance in the Products and services section.

Registered Education Savings Plan (RESP)

• helps you build capital for a child who is dear to your heart;
• provides you with a tax break—your money grows tax-free!

• the Canada Education Savings Grant (CESG)
• the Canada Learning Bond (CLB), subject to certain conditions
• the Quebec education savings incentive (QESI)

The Registered Education Savings Plan is flexible since it lets you decide how much and how often to contribute.

To find out more, see Registered Education Savings Plan (RESP) in the Products and services section.