Enhanced Investment Account

Enjoy a rate of at least 4.00% until November, 17, 2022

  • Regular rate: 1.30% + bonus rate of 2.70%1
  • Account type: savings account with high returns
  • Fees: none


An ideal way to grow your money for an investment or major purchase. This savings account combines flexibility and high returns, and its interest rate varies with market fluctuations. You must have a Desjardins chequing account to open an Enhanced Investment Account.


Deposits, withdrawals and transfers permitted at all times. No minimum amount required.


Interest paid monthly.

See current rates.

Monthly fees


Account statement

Monthly statement of account included in the chequing account statement you receive by mail or online.

Find out more about account statements.

Deposit insurance

Learn more about deposit insurance



How much will your investment be worth at maturity?

The rates are 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 September 29 to November 17, 2022 (“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
    • High Interest Savings Account (Non-registered)
  • 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 September 29, 2022, 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.