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Why choose Desjardins?

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Why choose Desjardins?

Why choose Desjardins?

You're an owner

Are you a caisse member? If so, you are also a co-owner of your caisse. Each Desjardins caisse if a financial services cooperative that belongs to its members. Each member has a say in how the caisse is run and how it contributes to the community.

1 member, 1 vote

All caisses hold their Annual General Meetings in the spring and invite their members to participate. As of the age of 18, members can attend their caisse's Annual General Meeting and voice their opinion by exercising their right to vote.

Take this opportunity to give your opinion on how your caisse will spend the budgetary surplus. Your vote could have a direct impact on the youth oriented projects sponsored by your caisse in your community. To find out when your caisse will be holding its next Annual General Meeting, click Where to find us to visit its website.

You may, under certain conditions, receive member dividends

A financial services cooperative does not make huge profits like traditional financial institutions do because it may decide to return a portion of their surplus earnings to its members. During the Annual General Meeting, the members decide how the surplus earnings will be distributed. For example:

  • into the member accounts, which is known as member dividends
  • into the community to sponsor collective projects, for instance, employment-generating projects, young business start-ups, among others

You can become an officer

All adult members can become an officer of their caisse. To do so, they have to submit their candidacy and be elected by the other members during the annual meeting.

Are you between 18 and 30 years of age? If so, you may also take part in the Young Intern Officer Program offered in several caisses and complete an internship as an officer: a fulfilling learning experience.

Becoming a caisse officer is a concrete way of contributing to your community's socio-economic development while learning more about cooperatives and the financial world.

Caisses are open to everyone

  • Caisses welcome everyone, without discrimination, regardless of their financial situation.
  • Caisses focus on meeting their members' needs and not on generating profits for a select few shareholders.

Members are collective owners of their caisse

  • Members have the right to participate in the Annual General Meeting and to elect caisse officers.
  • It's a special privilege only offered by cooperative financial institutions.

Each member has 1 vote

  • Each caisse member has the right to vote, regardless of their holdings or their financial needs (1 member = 1 vote).
  • Members are responsible for electing the people they think will best manage their caisse.

Elected officers represent caisse members

  • Members can apply to become part of their caisse's team of elected officers.
  • If elected, they can:
    • sit on the Board of Directors or on various committees
    • be called upon to represent their caisse or region at other levels of Desjardins Group
  • 4,571 elected officers see to the management and development of Desjardins caisses.
  • The Young Intern Officer program is a practical internship on a caisse Board of Directors, available to young adults age 18 to 30.

    Learn more about the Young Intern Officer Program.

Dividends go to members1

  • At Desjardins, all members may receive part of the profits of their caisse, depending on its annual results. We call these shared profits "member dividends".
  • Member dividends are paid out to members in proportion to their use of the caisse's financial services.
  • Caisses also give part of their surplus earnings to support their local community. We call this "collective member dividends".

Profits go to financially support individuals and the community

  • Every company has to turn a profit to stay in business. That's why Desjardins needs to follow market prices and conditions.
  • Each caisse must maintain a solid financial performance to make sure it can grow and continue to:
    • provide financial help to individuals and small businesses that don't have access to traditional financing
    • contribute financially to the socio-economic development of the community

Desjardins helps its members become money smart

Desjardins Group wants to help its members, and the community as a whole, take control of their finances and their quality of life. That's why we encourage cooperative, economic and financial education.

Learn more about Our educational role.

Caisses financially support the community

  • Desjardins caisses have been financially supporting the community for over 100 years, through community development funds, subsidies, sponsorships and donations.
  • Here are some examples of our commitment:
    • Providing financial products for people who don't have access to traditional financing
    • Building homes for seniors or young people
    • Partnering with various community development organizations
    • Running the Créavenir program, which provides training and financial help to young people who want to start a business

Desjardins believes environmental protection and sustainable development are crucial

  • In 2005, Desjardins Group adopted a sustainable development policy that led to new environmental measures and programs for all its subsidiaries and several environmental projects.
  • Here are some examples of our commitment:
    • Investment products that are friendly to the environment and to communities
    • The Green Homes Program for people buying new constructions and making green renovations
    • Car insurance discounts for owners of hybrid or electric vehicles

To learn more, see Social responsibility and cooperation.

Desjardins is one of the pioneers of microfinance

Développement international Desjardins (DID), a subsidiary of Desjardins Group, has been working for 45 years to help provide disadvantaged communities around the world with access to financial services.

This longstanding commitment is concrete proof that Desjardins wants to make the world a fairer and wealthier place for everyone.

Learn more about Développement international Desjardins.

  1. In accordance with provincial legislation, certain conditions regarding member dividends may differ in Ontario.

We use the strength of cooperation to provide our members with a wide range of financial services, and to contribute to the economic and social development of their communities.

We're different. Here's why.

The Desjardins caisse A publicly-traded financial institution
Is a financial services cooperative that belongs to its members. Is a private establishment, profiting shareholders.
Works for the economic and social betterment of its members and the economic development of the community. Works to enrich shareholders
Is owned by all its members, and is managed locally by elected officials and members. Is owned by a select group of shareholders. Centralized management.
Seeks to offer the best possible services to members. Seeks to provide the best possible returns for shareholders.
Invites members to participate in their caisse's Annual General Meeting and run for the position of elected officer. 1 member = 1 vote Invites shareholders to attend the Annual General Meeting. 1 share = 1 vote
Gives back a portion of its surplus earnings to its members and community through individual member dividends. Gives a portion of its profits to a group of shareholders through dividends.

To find out more, read 10 reasons to choose Desjardins.

Given the commitment of its directors and employees, the financial and cooperative performances of Desjardins Group and its components are the subject of awards and recognition by third parties.

For the sixth consecutive year, Desjardins Group has been rated one of Canada's Top 100 Employers by Mediacorp Canada. The distinction recognizes best practices and innovation in human resource management.
For the 12th consecutive year, the AccèsD client contact centres, for both individuals and businesses, have received the Customer Operations Performance Center (COPC) certification, one of the most stringent in the world. This is a world achievement: no other organization of any type has ever been certified COPC for such long period of time.
Desjardins placed first in North America and fifth in the world in Bloomberg's 2015 ranking of the World's 20 Strongest Banks.

View all awards and recognition

To open an account in a Desjardins caisse is to become a member of a savings and credit cooperative. Contrary to clients of a traditional financial institution, the members of a caisse are its owners and have voting rights at the Annual General Meeting.

Individuals

Open a personal account.

Businesses

Open a business account.

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