Savings accounts

A variety of accounts for saving for the short-term, reaching a goal or setting money aside for a major investment

  • No cheque-writing privileges
  • Various ways available to build capital
  • Desjardins Savings-Life Insurance available
  • RRSP-TFSA eligible

Enjoy a rate of 1.00% (RRSP) and 0.50% (non-registered) until March 31, 2021.

  • Regular rate 0.10%

    + bonus of 0.90%

    + bonus of 0.40% on new deposits1

  • Account type: high interest savings account only available on AccèsD Internet and mobile (individuals)
  • Fees: none
  • Deposit insurance: up to $100,000 per person per caisse

Learn more - High Interest S@vings Account

Enjoy a rate of 1.00% until March 31, 2021.

  • Regular rate 0.10%

    + bonus of 0.90% on new deposits1

  • Account type: registered savings account
  • Fees: none
  • Savings and withdrawals are not taxed

Learn more - TFSA Savings Account

  • Savings account with no cheque-writing privileges
  • Interest rate: 0.05 % to 0.10 % (depending on product)
  • Standard transaction fees apply (except for automatic transfers from a chequing account in the same folio)
  • Saving through single or periodic instalments

Learn more - Regular Savings Account

Enjoy a rate of at least 0.45% until March 31, 2021.

  • Minimum regular rate 0.05% (based on balance maintained)

    + bonus of 0.40% on new deposits1

  • Account type: savings account with high returns
  • Fees: none

Learn more - Enhanced Investment Account

Did you know?
Deposit insurance: Deposits insured up to $100,000 per person per caisse. In Ontario, Canadian dollar deposits are insured up to $250,000 by the Deposit Insurance Corporation of Ontario.
Learn more about deposit insurance (FAQ).

Rates subject to change without notice.

1. Bonus terms and conditions (“Bonus”)

  • A Bonus is offered by Desjardins to members of a Desjardins caisse in Quebec and Ontario.
  • A Bonus is offered from January 7 to March 31, 2021 (“Bonus Period”).
  • Desjardins may modify at any time a Bonus during the Bonus Period and change the terms and conditions. Desjardins may terminate the Bonus Period at any time.
  • A Bonus applies to eligible deposits made during the Bonus Period to the following accounts:
    • Enhanced Investment Account
    • TFSA Savings Account
    • High Interest Savings Account
    • High Interest Savings Account – RRSP
  • The Bonus is added to the current interest rate posted on each eligible account. The rate is fixed annually and interest is calculated daily. Interest is paid out at the end of every month. The Bonus is paid out into the eligible account at the end of each month and on the day after the promotion ends.
  • Eligible deposits must meet all the terms and conditions specified below:
    • Must be made to an eligible account during the Bonus Period.
    • The total eligible deposits cannot exceed a million dollars ($1,000,000.00).
    • For deposits made to an eligible account that is already active during the Bonus Period, the balance as at January 7, 2021, at 12:00 a.m. will be used to calculate the Bonus. Any amount exceeding the balance at this time will be considered an eligible deposit, subject to the conditions set out herein.
    • For deposits made to an eligible account opened during the Bonus Period, the balance used to calculate the Bonus is set at zero (0). Any amount exceeding the initial balance is considered an eligible deposit, subject to the conditions set out herein.
    • Cannot come from another account in the same category. Account transfers made from an account from the same category are not considered eligible deposits.
  • The Bonus cannot be combined with any other promotion or bonus rate.
  • In the event of a discrepancy between these conditions and the content of any document, brochure or promotional material about the Bonus, the conditions herein shall prevail.
  • Desjardins reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke an account holder's eligibility for the Bonus at any time if it believes that the account holder manipulated or abused the integrity of the process to receive a Bonus.

All deposits made to a TFSA Savings Account and a High Interest Savings Account – RRSP are subject to the contribution limits set by the Canada Revenue Agency (CRA). The RRSP contribution limit is on the Notice of Assessment from the CRA. Members are fully responsible for ensuring that they respect their contribution limits.