Distinctive Offer personal advantages – Actuaries, chiropractors, accountants, engineers, pharmacologists, podiatrists and veterinarians

Benefit from exclusive advantages on several of our products with the Desjardins Distinctive Offer.

Exclusive advantages

Day-to-day transactions	Get $4 off Distinctive account service charges. Discount may also be applied to the fixed monthly rate of any of our plans. No fee certified cheques, drafts, money orders, travellers cheques and basic safety deposit box (when available). To find out more, see the Distinctive Account
Investments	Enjoy 0.30% over the caisse's current fixed term savings interest rate – no matter the term. A first-year discount of up to 20% on fees for certain Desjardins Private Management services1. Substantial benefits on Disnat transferable securities transactions – notably, three free transactions2 when you open your account and no annual fees the first year when you open a registered account3. To find out more, see Savings and investment.
Loans and financing4	Mortgage "5 in 1" Yearly Fixed-Rate Resetter Mortgage Loan: discount of 1.50% the first year and 0.30% each of the next 4 years. Variable Rate Mortgage Loan: annual reduction of 0.60% on the preferred rate. Fixed-rate Mortgage Loan: 0.75% rate discount for the 5–year term. No CMHC or Genworth Financial Canada mortgage insurance registration fee. No fees for obtaining a report from a chartered appraiser, if required by the caisse. $750 towards Quebec notary or Ontario lawyer fees. To find out more, see Mortgages.
	Personal loan Discount of 1.00% on caisse personal loan rates, no matter the term. To find out more, see Personal loans.
	Line of credit Personal line of credit at the Desjardins Personal Base Rate or prime rate plus 0.50%, in Ontario. Investor STRATEGIC Line of Credit5 at the Desjardins' basic personal rate with credit limit of $25,000 to $250,000. Versatile Line of Credit6 at the prime rate allows you take full advantage of your home's maximum real net value. To find out more, see Lines of credit.
	VISA* Desjardins card7 50% of the annual fee in BONUSDOLLARS8. To find out more, see VISA Desjardins credit cards.
Life and health insurance	Customized analysis of your life and health insurance needs by a Desjardins Financial Security Advisor. To find out more, see Life and health insurance.

	At the caisse	Contact an advisor at a caisse.
	At a Desjardins Business Centre	Contact an account manager at a Desjardins Business Centre.

1. Some Desjardins Private Management services not available in Ontario. Speak to your advisor for more information.
2. Maximum $29 per transaction.
3. No annual administration fees if the RRSP/LIRA market value is more than $15,000 or if the RRIF/LIF is more than $25,000.
4. Subject to credit approval. Some conditions apply.
5. Available only in Quebec.
6. For minimum financing of $150,000.
7. Subject to approval by the Desjardins Card Services credit unit. Desjardins employees are not eligible for this VISA Desjardins card offer.
8. The Desjardins BONUSDOLLARS Rewards Program is available on Classic cards with the BONUSDOLLARS option, Elegance GOLD, Modulo GOLD and Odyssey GOLD cards. BONUSDOLLARS rates and accumulation vary with each card.

* VISA Int. / Fédération des caisses Desjardins du Québec, authorized user.

Note: May not be combined with any other promotion. Distinctive Offer may change without notice.