Regular savings account
Set money aside for short-term goals with our convenient regular savings account.
Eligible plans
LIRA, RRIF, LIF, RDSP, RRSP, locked-in RRSP and FTA
Interest rates
Registered accounts: 1.50%
Non-registered accounts: 0.05%
Fees
Apply to regular transactions
Your regular savings account at a glance
You need to have Desjardins everyday account before you can open a registered or non-registered savings account.
- With a non-registered account, earn interest and make unlimited deposits and withdrawals.
- With a registered account, earn interest and set money aside tax-free. There's a variety of registered plans to choose from depending on what your goals are, including a LIRA, RRIF, LIF, RDSP, RRSP, or FTA. Note that you must open a registered plan before opening a regular savings account.
Features
- Service fees apply, except for automatic transfers from an everyday account in the same folio
- No minimum balance required
- Interest earned monthly
- Account eligible for member dividends
3 , if your caisse distributes them (RDSP not eligible) - Option to set up automatic transfers to save at your own pace
- Deposits eligible for deposit insurance within set limits
- Account eligible for Savings-Life Insurance with payout of up to $10,000 per account in the event of death
4 - Account statement included in your everyday account statement
Opening a regular savings account online
If you have an everyday account with us, you can open a regular savings account by logging in to AccèsD in your web browser. This option isn’t available in the app.
Step 1
Open your web browser
Log in to AccèsD, and select the Products and services tab. Select Accounts, then Regular Savings Account.
Step 2
Make your selection
Select the specific product and folio. To transfer the amount to your new regular savings account, select Yes, then select the account you want to transfer from and enter the amount. Otherwise, select No.
Step 3
Verify and confirm
In the drop-down menu, select how you intend to use your account, then select OK. You’ll now be able to manage your account and make transactions.
Open a regular savings account
By phone
We can also call you when it's convenient.