Benefits of choosing Desjardins

Join a financial institution that’s focused on you and your community.

Differences between a bank and a financial cooperative

Bank

A bank is run by senior management, appointed by a board of directors who represent the shareholders. The goal of a bank is clear: to maximize profits for shareholders.

Financial cooperative

A financial cooperative doesn’t belong to shareholders. It’s administered by a board of directors elected by its members. Every decision is made with one goal: to do what’s best for our members.

What sets us apart

Our financial cooperative was created to help people and communities prosper in every way, not just financially.

A financial institution designed for you

Tailored products and services

Joining our financial cooperative gives you solutions specifically designed to meet your needs. You’ll benefit from a comprehensive offering, supported by a large network of caisses and specialized teams.

Value you can count on

Becoming a member means directly sharing in our success.

Member dividends

Each year, we give back part of our surplus earnings to our members and our community through member dividends.

Youth dividends

We offer dividends to our young members so they can save for their goals and build strong saving habits.

Exclusive privileges

Our members also get exclusive perks, like reduced rates for Festival d’été de Québec tickets through our members-only presale.

Every voice matters

Financial cooperatives are based on values of inclusion, equality and democracy. Every member has the power to influence decisions, regardless of their personal or financial situation.

Our principle of “one member, one vote” ensures that members can participate in caisse life by:

Electing members to the board of directors
Voting on how to allocate surplus earnings, including dividends
Voting on the amount allocated to the Community Development Fund
Supporting meaningful projects in the community
Adopting or making changes to caisse bylaws
Raising awareness about a local issue to other members
Approving or rejecting a merger with another caisse
Sharing your opinion on caisse services, such as opening hours or reception services

Want to go one step further?

Become a caisse director and use your experience to ensure that caisse decisions reflect the needs of members and the community.

A human and accessible approach

We strive to make our members feel at home.

We understand your needs

As part of one cooperative, our interests are the same.

When you contact us, we want to make sure you clearly understand your options and can make informed financial decisions, without any complicated jargon.

We adjust our approach to your situation, whether you’re an individual or a business member.

We want your feedback

You can share your comments and suggestions with us by:

Filling out our feedback form, sent by email after you use one of our services
Speaking at your annual general meeting
Leaving a comment on our website
Contacting customer service
Participating in the Desjardins Web Panel

Tangible results: here and abroad

In your area

Each year through our community dividend, we reinvest some of our surplus earnings into local, regional and national projects. This amount helps improve people’s quality of life and promotes community development. Your membership helps associations, institutions and organizations meet real needs in the community.

Around the world

For over 50 years, Desjardins International Development (DID) has supported the economic empowerment of populations in vulnerable situations. Our activities foster financial inclusion and sustainability in developing countries.

We continue to support communities around the world as we strive for a more equitable and prosperous planet.

A financial institution that shares your values

We promote a sustainable and inclusive economy through:

Our responsible investment products, which integrate environmental, social and governance factors (ESG)
Advice and support for businesses that incorporate ESG values
Our Sustainable Home Program, which encourages people to purchase eco-friendly homes and make energy-efficient upgrades to their current home
A commitment to reducing 50% of our greenhouse gas emissions by 2030
Internal practices of equity, diversity and inclusion representing our members and clients