Rates and returns – Loans, credit and cards

Have a look at the interest rates and returns on our loans, lines of credit, credit cards, foreign currencies, and savings and investment products.

Current rates on July 6, 2022

Mortgages

  • Promotional rate 5-year fixed-rate mortgage
    5.34%
  • Promotional rate 5-year reduced variable rate mortgage
    3.30%

All mortgage rates

Base and prime rates

  • Desjardins Personal Base Rate
    5.20%
  • Desjardins prime rate2
    3.70%
  • Desjardins U.S. prime rate2
    5.25%

Rate history

Most popular loans and financing options

All loans

  1. Certain conditions apply.
  2. These rates are recommended by the Fédération des caisses Desjardins du Québec to all caisses. They are subject to change without notice.
    The Desjardins prime rate was previously called the Caisse centrale Desjardins prime rate.The Desjardins U.S. prime rate was previously called the Caisse centrale Desjardins U.S. prime rate.
  3. This promotion is available for a limited time to individuals taking out a closed 40-month fixed-rate mortgage to purchase a residence or an owner-occupied building with 4 or fewer units. For a new mortgage, the loan must be disbursed by July 31, 2022. Subject to credit approval. This offer may end at any time without notice. The rate is subject to change without notice. Valid for mortgage transactions in Quebec and Ontario. Other conditions may apply. Please contact your Desjardins advisor.