Log in

Online services

Go to the AccèsD and AccèsD Affaires login page. Go to the AccèsD and AccèsD Affaires login page.

Online brokerage

Go to the Desjardins Online Brokerage site - This link will open in a new window. Go to the Desjardins Online Brokerage site - This link will open in a new window.

Full service brokerage

Go to the Desjardins Wealth Management Securities page - This link will open in a new window. Go to the Desjardins Wealth Management Securities page - This link will open in a new window.

See other Desjardins sites

Go to the selected application. It will open a new window.
Guaranteed 100% secure connection

You are here: Home > Personal > Caisse Desjardins des Sommets de la Beauce > Events, news and publications > Member dividends and how they're calculated

Member dividends and how they're calculated

Member dividends are a reflection of our cooperative nature and one of the advantages of being a caisse member. They're amounts paid out to members under certain conditions. There are 2 kinds to get you even more: product dividends and volume dividends.

How member dividends work

Product dividends

Your product dividend is an amount of up to $50 if you had at least 1 eligible product throughout the last year in each of the following 4 product lines:

  1. Accounts
  2. Cards, loans and credit
  3. Savings and investments
  4. Insurance

If you're age 30 or under, all you need is 1 eligible product in 3 of the 4 product lines to qualify for the product dividend.

Volume dividends

Your volume dividend is a personalized amount based on your business volume (rate per $1,000 in volume) in each of the following 4 product lines, based on the rates decided by vote at the annual general meeting:

  • Accounts: $0.58 / $1,000 in volume
  • Loans and credit: $0.58 / $1,000 in volume
  • Savings and investments: $0.58 / $1,000 in volume
  • Insurance: $23 / $1,000 in premiums