All about member dividends

New patronage returns that reward members directly

They've got people talking

Member dividends are our way of recognizing our members' commitment.

What are member dividends?

They're a reflection of our cooperative difference. And they're one of the advantages of being a caisse member. More specifically, member dividends are paid to members who meet certain conditions. The money comes from the caisse's and Desjardins Group's surplus earnings at the end of the fiscal year. These earnings can also be paid into a fund to finance local community projects: that's the power of making a difference in your community.

Member dividends are getting better. They're now more accessible, fair and easy to understand. Learn how the new member dividends are benefiting more people this year:

  • 840,000 more members
    are eligible for member dividends, including 300,000 people age 30 and under
  • Over 3.3 M members,
    or 7 out of 10 members, receive member dividends
  • 100% of caisses will now
    pay member dividends

Individual member dividends get you even more

Individual member dividends are paid to all members who qualify. There are now 2 kinds to get you even more: product dividends and volume dividends.

New in 2019

Find out more!

Product dividends – New!

To thank you for entrusting us with your financial needs, we created the product dividend—a flat amount returned to you by your caisse. In 2019, the maximum amount is $50.

Who's eligible for product dividends?

Individual members who had at least 1 eligible Desjardins product in each of the 3 following product lines in 2018:

  1. Accounts
  2. Cards, loans and credit
  3. Savings and investments
Eligible products
Product line Eligible products
  • Chequing accounts
  • Daily interest accounts
  • Non-registered high-interest savings accounts
  • Non-registered regular savings accounts
  • Prepaid cards
Cards, loans and credit
  • Credit cards
  • Accord D financing
  • Loans
  • Lines of credit
Savings and investments
  • Desjardins Trust guaranteed investment certificates (GICs)
  • Registered high-interest savings accounts
  • Registered regular savings accounts
  • Desjardins Funds
  • Helios guaranteed investment funds
  • Market-linked guaranteed investments
  • Guaranteed fixed-rate investments
  • Desjardins Private Wealth Management products
  • Desjardins Securities and Online Brokerage products
  • Immediate annuities

Discover volume dividends


Based on your business volume.

Volume dividends

Volume dividends are calculated for all eligible members—whether individuals or businesses—in proportion to their use of certain products and services in 2018.

Community dividends

These patronage returns allow caisses to support key initiatives in the community through their Community Development Fund (CDF).

Together, we're making a difference. Find out how.

Your member dividends on AccèsD

See them at a glance

Log on to AccèsD to see if the dividend amount has been deposited in your account. It will be clear and easy to understand.

Personal AccèsD members: from the mobile app home page, log on, then under Quick access tap the Member dividends icon. On AccèsD Internet, the Member dividends section is in the right-hand menu of the AccèsD overview page.

You can check the details of your 2018 Member dividends.
Come back in the spring to see your 2019 Member dividends.

Log on

FAQ - Frequently Asked Questions

Customer service

Contact us for more information.

1-800-CAISSES (1-800-224-7737) options 9-2-2

or contact your caisse

Discover the cooperative difference

Desjardins Group is Canada's leading cooperative financial group.

Learn more

  1. You must have been a caisse member during the last fiscal year to be eligible for member dividends.
  2. For a caisse to award member dividends, it must meet 2 conditions:

    • Desjardins Group must have the financial capacity to pay member dividends.
    • Caisse members must decide that it will distribute member dividends. Members attending the caisse's annual general meeting decide how much will be distributed as member dividends or paid into the Community Development Fund, in accordance with all applicable legal requirements. In Ontario, the board of directors makes these decisions.
  3. If you're a member of more than one caisse, each caisse will pay you its share of the flat amount.
  4. Business members are not eligible.
  5. Conditions may apply. For more information, please contact your caisse.