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Military personnel

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Financial Program for military personnel

With our financial program, take advantage of attractive rates and reduced fees on a complete range of products and services

  • Desjardins is the leading financial cooperative group in Canada, and the largest financial group in Quebec.
  • Nearly 1,200 service outlets and 45 Desjardins Business centres in Quebec and Ontario.
  • Direct access to your finances from your mobile device with Desjardins mobile services.

To get the financial program, you must be a member of, a reservist or civilian employed with the National Defence and sign up to have your pay directly deposited into your account at the caisse where the program is held, if that’s not already the case.

Your spouse can enjoy the same benefits1 provided he or she is a member of your caisse.

Desjardins: with you everywhere, at any time

You can manage your personal finances easily and quickly from home or anywhere in the world with AccèsD Internet and mobile:

  • at 1-800-CAISSES (1-800-224-7737), from 6:00 a.m. to midnight, 7 days a week
  • online, on your computer or mobile, 24 hours a day, 7 days a week

Moreover, our large physical network has over 335 caisses in Quebec and Ontario, more than 2,200 ATMs and nearly 1,200 service outlets.

See for yourself!

Find a service outlet

Accounts - Marry efficiency with savings

Plan with unlimited transactions2 - The fixed monthly rate plan

Unlimited transactions plan at $7.95 a month (savings of $6 compared with the Premium Plan), using any access method (automated services3, cheques and teller services).

This plan also includes 10 monthly transactions at non-Desjardins ATMs4.

Associated services - Make managing your money easier

Overdraft transfer - Avoid nasty surprises

Allows you to cover your accounts from the nuisance insufficient funds can cause by associating, without charge5, your Desjardins credit card6 to them.

Credit cards - Take advantage of a generous rewards program

Visa Cash Back** card - Cash rewards and no fee

  • Up to 1% cash back on your purchases
  • Travel Insurance
  • Coverage of up to $1,0007 with Mobile Device Insurance

Enjoy preferential treatment when you get credit, with all Visa Desjardins credit cards. Refused credit card applications will be reviewed.

Several other Visa Desjardins cards are also available.

2. Free when you maintain a minimum balance of $4,000.

3. For withdrawals from non-Desjardins ATMs in the Interac* and Plus** networks, service charges apply.

4. Charges of $1.50, $3.00 or $5.00 apply for each additional transaction. Some non-Desjardins ATM operators charge additional fees to use their machines for all transactions.

5. No subscription, monthly or transaction fees. The charges that apply are the credit charges linked to cash advances. These are calculated at the Visa Desjardins rate at the time the advance is given.

6. Subject to available credit limit.

7. In the event your cellphone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®. ®Assurant Solutions is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card. The Certificate of Insurance is also available at Desjardins.com/cards.

Desjardins savings products - To make your assets grow

High Interest S@vings Account - Only available online

The High Interest S@vings Account is only available on AccèsD Internet and mobile. It will make your savings grow quickly with each dollar saved earning high interest.

  • Enhanced interest rate
  • RRSP eligible
  • No usage fees
  • Interest starts accruing as soon as you make your first deposit
  • Easy access to funds: transfers between Desjardins accounts and inter-institution transfers permitted at all times8
  • Capital and return 100% guaranteed

Several other savings products are also available.

8. Except the RRSP High Interest S@vings Account

Desjardins financing products, partners in your projects

Lines of credit - Take advantage of a flexible financing solution

Get financing tailored to your needs, while making the most of reduced rates granted on:

  • Desjardins Personal Line of Credit: prime rate plus 2%
  • Desjardins Investor STRATEGIC Line of Credit: prime rate plus 2% (only in Quebec)

Mortgage - Finance your real estate project

Finance your real estate projects while making the most of the exclusive advantages offered to you:

  • 0.5% cash back on all new Desjardins mortgage applications9
  • Exemption from mortgage penalties for transfers10

9. Does not apply to loans transferred from one caisse to another. Cash back only if the mortgage application is done without an external intermediary.

10. Applies only when a member of, a reservist or civilian employed with the National Defence is sent on assignment and gets a mortgage in an area that is not served by a Desjardins caisse. An official proof of transfer must be provided to the caisse.

Home and auto group insurance

The Personal11 has had the privilege of being CANEX's exclusive group insurer for more than 27 years. This home and auto group insurance program is offered as a voluntary benefit to you because you're part of the National Defence community.

To learn more about exclusive group rates and customized coverage for military personnel, call 1-888-476-8737 or visit the The Personal website.

11. The Personal refers to The Personal General Insurance Inc.

* Registered trademark of Interac Inc. Used under license.

** Trademark of Visa International Service Association and used under license.

Conditions apply to all products, services and benefits offered.

Financing offers (Desjardins credit cards, payment options and all other forms of financing) are subject to credit approval.

May not be combined with any other offer or promotion. Content of the financial program for military personnel may change without prior notice.

  1. Except Visa Desjardins cards.

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