End of Accord D financing
Accord D financing at your caisse and Accord D RRSP financing are no longer offered. See the features of your existing Accord D financing or explore other borrowing options to find what’s right for you.
To get a new loan or line of credit or to manage an existing one, log in to our mobile and online services.
Convert your Accord D financing and get a better rate
If you’re eligible, you’ll get a notice offering to convert your Accord D financing into a personal loan to get an exclusive rate
To take advantage of this rate, log in to our mobile and online services, then select Personal loan. Begin your application and select Accord D financing conversion as the Loan purpose. Follow the instructions to complete your application. Your Accord D financing is immediately converted once the application is submitted.
You can also convert your Accord D financing into a personal loan with the help of an advisor.
What you need to know before converting your financing
- To convert one or more Accord D financing solutions into a personal loan, the remaining balance of all of your Accord D financing must be at least $1,000 with a remaining term of at least 12 months. You also need to be a Desjardins member.
- If you have Accord D financing with someone else, you can still convert it into a personal loan if you and the other person hold a joint everyday account and make the request together.
- Once your application is complete and you sign your agreement, you’ll see your personal loan immediately in our mobile and online services. The term of your new personal loan is the same as your old Accord D financing term.
- The remaining balance on the principal of your Accord D financing is automatically transferred to your new personal loan.
- You can see details of your new personal loan in your account list in our mobile and online services, as well as on your monthly account statement. They will no longer appear on your credit card statement.
Have more than one Accord D financing solution?
You can convert each of your eligible financing solutions using our mobile and online services. If you want to consolidate your eligible financing solutions into one personal loan, call us at 514-224-7737 This link opens your phone app. (514-CAISSES) or at 1-800-224-7737 This link opens your phone app. (1-800-CAISSES).
Your borrowing options
We have several financing options
Personal loan
Get a loan for any goal you have in mind. Pay it back in fixed and easy-to-manage payments.
Personal Line of Credit
With a Personal Line of Credit, get a set amount you can use for expenses big and small.
RRSP loan
Borrow funds to contribute to your registered retirement savings plan (RRSP). Pay back your loan in fixed payments or in a lump sum at maturity.
FHSA loan
Borrow funds so you can contribute to your first home savings account (FHSA). Pay back your loan in fixed payments or in a lump sum at maturity.
Find a borrowing solution
Have a project that'll cost at least $1,000? Use our tool in our mobile and online services to help you choose the financing that's right for you.
Do you have existing Accord D financing?
The end of Accord D financing will not affect any existing Accord D agreement. You must continue to make your usual payments as stated in your contract.
Features of your Accord D financing
See the key features of your Accord D financing or your Accord D RRSP financing.
Interest rate
Fixed, remains the same until the end of your term
Repayment
- Equal monthly payments are added automatically to the minimum payment of your Desjardins credit card.
- Balance can be repaid in part or in full at any time without penalty.
Accord D monthly installments and prepayments
As of October 20, 2026, your Accord D financing installments and any prepayments will go through your credit card account. You can continue to make these payments by using the Transfers between accounts or Pay bills feature.
After you make a payment, your credit card balance will take between 24 to 72 hours to update and may even show a negative balance. Until it does, make sure you don’t spend the amount you used to pay your Accord D financing.
Due to the order in which credit card payments are applied, you may need to contact us if you want to make a prepayment toward your Accord D financing.
Here are some examples of what you might see on your credit card account and how to determine if you’ll need to contact us to make your payment.
Paying your monthly installment with a credit card balance of $0
Your credit card account shows a balance of $0 for your transactions and cash advances. You need to pay your $250 Accord D monthly installment. You make a payment of $250.
Once you make the payment, your credit card shows a balance of -$250 and an additional available credit of $250. This is temporary. Within the next 72 hours, your transaction and cash advance balance will go back to $0, provided no new authorized transactions are charged to your card. Your available credit is equal to your credit limit. You don’t need to contact us.
Breakdown of your monthly installment with a credit card balance of $0.
| Transaction and cash advance balance | $0 |
|---|---|
| Accord D monthly installment due | $250 |
| Minimum card payment due (minimum balance payment + Accord D financing installment) | $250 |
| Payment made | $250 |
| Real-time balance after payment | -$250 |
| Credit available in real time after payment | Credit limit + $250 |
| Balance within the next 72 hours | $0 |
| Available credit within the next 72 hours | Equal to the credit limit |
| Need to contact us? | No |
Paying your monthly installment with a credit card balance of $1,000
You have a credit limit of $5,000. Your credit card account shows a balance of $1,000 for your transactions and cash advances. You make the $300 minimum payment due on your card. This payment includes your Accord D monthly installment of $250 and the minimum 5% due on your balance, which is $50.
Once you make the payment, you credit card account shows a balance of $700 and an additional available credit of $300. This is temporary. Within the next 72 hours, your transaction and cash advance balance will be $950, provided no new authorized transactions are charged to your card. Your available credit is $4,050, which is your credit limit minus your account balance. You don’t need to contact us.
Breakdown of your monthly installment with a credit card balance of $1,000.
| Initial credit limit | $5,000 |
|---|---|
| Transaction and cash advance balance | $1,000 |
| Minimum balance payment due (5%) | $50 |
| Accord D monthly installment due | $250 |
| Minimum card payment due (minimum balance payment + Accord D financing installment) | $300 |
| Payment made | $300 |
| Real-time balance after payment | $700 |
| Credit available in real time after payment | $4,300 |
| Balance within the next 72 hours | $950 |
| Available credit within the next 72 hours | $4,050 |
| Need to contact us? | No |
Paying your monthly installment + making a prepayment with a credit card balance of $0
Your credit card account shows a balance of $0 for your transactions and cash advances. You want to pay your Accord D installment of $250 and also make a prepayment of $500, so you make a payment of $750.
Once you make the payment, your credit card shows a balance of -$750 and an additional available credit of $750. This is temporary. Within the next 72 hours, your transaction and cash advance balance will go back to $0, provided no new authorized transactions are charged to your card. Your available credit is equal to your credit limit. You don’t need to contact us.
However, if you use your credit card and those transactions are posted within the 72 hours after you make your loan payment, you’ll need to contact us so we can apply your prepayment toward your Accord D financing.
Breakdown of your monthly installment + a prepayment with a credit card balance of $0.
| Transaction and cash advance balance | $0 |
|---|---|
| Accord D monthly installment due | $250 |
| Minimum card payment due (minimum balance payment + Accord D financing installment) | $250 |
| Prepayment you want to make | $500 |
| Payment made | $750 |
| Real-time balance after payment | -$750 |
| Credit available in real time after payment | Credit limit + $750 |
| Balance within the next 72 hours | $0 |
| Available credit within the next 72 hours | Equal to the credit limit |
| Need to contact us? | No, unless other transactions are posted within 72 hours following your loan payment. |
Paying your monthly installment + making a prepayment with a credit card balance of $1,000
Your credit card account shows a balance of $1,000 for your transactions and cash advances. You want to pay your Accord D monthly installment of $250 and the 5% minimum amount due on your balance, which is $50. You also want to make a prepayment of $1,500. So, you make a payment of $1,800.
Because payments are automatically applied to the remaining balance on your credit card, your credit card account shows a balance of -$800 and an additional available credit of $800. You’ll need to contact us so we can apply the $1,500 toward your Accord D financing.
Once the prepayment is applied, your transaction and cash advance balance will be $950, provided no new authorized transactions are charged to your card. Your available credit is equal to your credit limit minus your account balance.
Breakdown of your monthly installment + a prepayment with a credit card balance of $1,000.
| Transaction and cash advance balance | $1,000 |
|---|---|
| Minimum balance payment due (5%) | $50 |
| Accord D monthly installment due | $250 |
| Minimum card payment due (minimum balance payment + Accord D financing installment) | $300 |
| Prepayment you want to make | $1,500 |
| Payment made | $1,800 |
| Real-time balance after payment | -$800 |
| Credit available in real time after payment | Credit limit + $800 |
| Balance within the 72 hours of contacting us | $950 |
| Available credit within 72 hours of contacting us | Credit limit – $950 |
| Need to contact us? | Yes, so we can apply your prepayment amount. |
Good to know
For a breakdown of your monthly account statement, read Your credit card statement explained.
Call us
Montreal area:
514-224-7737 This link opens your phone app. (514-CAISSES)
Elsewhere in Canada and the US:
1-800-224-7737 This link opens your phone app. (1-800-CAISSES)
We can also call you when it’s convenient.