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Automated savings

Saving made simple!

  • A great way to get into the habit of saving regularly
  • Easy to manage with automatic transfers
  • Regularly investing even a small amount can have impressive results!
  • Two great options for saving up: the Auto-Savings Strategy and investing through automatic deposits
  • Straightforward: You decide how much and how often you want to save.
  • Effortless: Once set up, your contributions are transferred automatically. There are no extra steps. You don’t have to think twice!
  • Flexible: You can change how much or how often you save at any time.
  • Effective: Even small amounts add up quickly. You'll be on your way to reaching your goal in no time! Use our calculator to find out how much your savings will be worth at a given time.
  • Pragmatic: Because your savings aren't in your chequing account, you'll be less likely to dip into your savings for everyday expenses.
  • Competitive: Whether you choose one of our guaranteed capital or guaranteed return products for a short-term project or one of our mutual fund products for market investments for your long-term projects, you'll get a competitive rate.
Eligible plans
Minimum deposit
  • Auto-Savings Strategy: None
  • Savings account: None
  • TFSA Savings Account and other products: $25
  • Investing through automatic deposits: $25
  • Varies by product
  • No fees for transfers made between accounts in the same folio
  • Regular transaction fees apply for Regular Savings Accounts and transfers made between accounts in different folios at any caisse. See our fees for details.
  • Eligible for potential member dividends.

Find out more about member dividends

In just a short time, you can save enough to make your dream project a reality:

Graph : Weekly savings over 5 years. 1 year: $1,312. 3 years: $4,030. 5 years: $6,818

Assumptions based on a Regular Deposit Term Savings with a 5-year term at 1.75%.

Even a modest amount like $25 a week can produce significant results in 10, 20 or 30 years:

Graph : Weekly investment of $25 over 30 years. 10 years; invested: $13,000, saved w. interest: $16,321. 20 years; invested: $26,000, saved w. interest: $41,659. 30 years; invested: $39,000, saved w. 
interest: $80,994

For information purposes only. Expected return assumptions based on an average risk and an annual rate of 4.4%. This chart is intended only to illustrate the effect of the compound growth rate on a weekly investment and is not intended to reflect the past or future value of the Melodia Portfolios.1

Auto-Savings Strategy

With our automated transfer service, you can reach your savings goals faster. Transfer your savings between your accounts and our term savings products. There's no risk for your capital or return.

Eligible products:

Log on to AccèsD to:

  • set up transfers between existing accounts (click Transfers in the right-hand menu, Transfers between accounts, and then select the Later tab)
  • purchase a new product and set up automatic transfers (click on the Make and investment link below the Savings and investments section) or fill out the Regular Deposit Term Savings application form

Investing through automatic deposits

Build your savings as you work toward your long-term goals with Desjardins investment funds.1 Your automatic deposits can be as little as $25.

Eligible products:

Speak to a representative at your caisse to set up or modify your automatic deposits.

  1. Desjardins Funds are not guaranteed, their value fluctuates frequently and their past performance is not indicative of their future returns. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Desjardins Funds are offered by such registered dealers as Desjardins Financial Services Firm, a mutual fund dealer owned by Desjardins Group that distributes the Funds in caisses throughout Quebec and Ontario, as well as through the Desjardins Financial Centre.