Financial program for military personnel

Enjoy benefits on financial products and services tailored to your needs.

To claim your offer, book an appointment at Caisse Desjardins des militaires or at a caisse or branch near you.

Find a caisse or branch

Benefits for military personnel

Discounted transaction plan

Get $6 off the monthly fee for the Unlimited Plus plan,1 which includes unlimited regular transactions.2

Lines of credit at reduced rates

Get a special rate on our Personal Line of Credit and put your plans into action.

Mortgages

Make your real estate goals a reality with the help of our exclusive benefits.

Group home and auto insurance

Get exclusive rates on home and auto insurance from The Personal^®.3

Are you eligible?

This offer is for you if you meet any of the following criteria:

You are an active military member, reservist or National Defence employee.
You were an active military member, reservist or National Defence employee and are now retired.
You are the spouse of a person eligible for this offer and have your account at the same caisse or branch as this person.

Accepted proof of eligibility

Employment letter
Pay slip
Any other relevant documentation

Not eligible?

Check out our transaction plans, credit cards, loans and lines of credit and find the financial products that are right for you.

Discounted Unlimited transaction plan

Get a discounted rate of $9.95 per month on the Unlimited plan.1 That’s a monthly savings of $6 off the regular fee of $15.95.

What’s included

Unlimited transactions on the everyday account
Transactions on AccèsD, at the ATM,2 in person or by cheque
Access to the AccuLink^® ATM network
Debit card
Online account statements

Personal line of credit at reduced rates

With a Personal Line of Credit, get a set amount you can use for expenses big and small.

Your rate: Prime rate4 of 4.45% + 2%

Learn more about the Personal Line of Credit

Less prepayment charges

Pay fewer fees if you have a mortgage with us and you’re transferred outside of Quebec or Ontario.5

Learn more about mortgages

Exclusive rates on home and auto insurance

Get group home and auto insurance from The Personal.3 Benefit from exclusive rates and coverage tailored to the needs of military personnel.

See the group offer

Other ways to manage your finances

Credit cards

Get special perks depending on the card you choose. Some cards have annual fees.6

Up to 4% of your purchases in cash back7 or BONUSDOLLARS^®8
Travel insurance,9 Mobile Device Insurance,10 Purchase Protection and Extended Warranty,10 including for purchases made with your card
Up to 25% off your Hertz^®, Thrifty^® or Dollar^® car rental

See our credit cards

Savings accounts

With our various savings accounts, you can save for the short term or plan for a major purchase or investment. You can also:

Choose among different options for growing capital.
Make deposits, withdrawals and transfers at any time.
Open non-registered or registered accounts.11

See our savings accounts

Book an appointment to claim your offer

At a caisse or branch near you

Find a caisse or branch

At Caisse Desjardins des militaires

Monday to Friday: 6 AM to 9 PM
Saturday and Sunday: 8 AM to 6 PM

418-844-3787 This link opens your phone app.

1-866-307-3787 This link opens your phone app.

Explore our other financial products

Savings and investments

Wealth management

Content of the financial program for military personnel is available upon request and is subject to change without notice at any time.

All financing and credit card applications are subject to credit approval by Desjardins. Conditions apply to all products and services.

The Personal ^® and related trademarks are trademarks of The Personal Insurance Company, used under licence.

Interac^® is a registered trademark of Interac Corp. Used under licence.

AccuLink ^® is a registered trademark owned by the Canadian Credit Union Association (CCUA), used under licence.

BONUSDOLLARS ^® is a registered trademark of the Fédération des caisses Desjardins du Québec. 

^* Trademark of Visa International Service Association and used under licence.

Free if you keep a minimum monthly account balance of $4,000.

Additional fees of $1.50, $3.00 or $5.00 may apply to withdrawals made from non-Desjardins ATMs affiliated with the Interac and PLUS^* networks. Some ATM operators also charge their own fees to use their machines. They must notify you via an on-screen message before processing the transaction, so you can choose to cancel the transaction. These fees are added to the amount of the withdrawal and are paid directly to the ATM operator. For more information, see the Service fees page.

The Personal refers to The Personal General Insurance Inc.

The prime rate means the annual variable interest rate that the Fédération des caisses Desjardins du Québec sets from time to time, and from which it calculates the interest rate on loans granted in Canada in Canadian dollars.

This flexibility applies when a military member, reservist or civilian from the Department of National Defence is relocating or is posted to a territory not served by a Desjardins caisse. A request must be submitted to benefit from this program and obtain, depending on the situation, a reimbursement or exemption of the mortgage indemnity. Certain eligibility conditions apply, and the offer is subject to change without notice. For more information on this flexibility or the proof required, please contact your caisse. For more information on current rates, see our Mortgage rates page.

You have between 21 and 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract.

For Flexi Visa (annual fee: none), here some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you’d be charged $0.90 in interest. If it’s $500, you’d be charged $4.48 in interest, and if it’s $1,000 you’d be charged $8.96 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you’d be charged $1.06 in interest. If it’s $500, you’d be charged $5.30 in interest, and if it’s $1,000 you’d be charged $10.60 in interest.

For Cash Back Visa (annual fee: none), Cash Back Mastercard (annual fee: none), Bonus Visa (annual fee: none), Cash Back World Elite Mastercard (annual fee: $100) or Odyssey World Elite Mastercard (annual fee: $130) or Odyssey Gold Visa (annual fee: $110), here some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 20.9% and your average daily outstanding balance is $100, you’d be charged $1.72 in interest. If it’s $500, you’d be charged $8.59 in interest, and if it’s $1,000 you’d be charged $17.18 in interest. If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you’d be charged $1.80 in interest. If it’s $500, you’d be charged $9.00 in interest, and if it’s $1,000 you’d be charged $18.00 in interest.

For Odyssey Visa Infinite Privilege (annual fee: $295 for Desjardins members and $395 for non-members), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you’d be charged $0.98 in interest. If it’s $500, you’d be charged $4.89 in interest, and if it’s $1,000 you’d be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you’d be charged $1.06 in interest. If it’s $500, you’d be charged $5.30 in interest, and if it’s $1,000 you’d be charged $10.60 in interest.

Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back.

BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS.

Insurance coverage applies to you, your spouse, and your dependent children and grandchildren. Your spouse and dependent children must accompany you throughout the trip to be covered by the travel insurance. If you’ll be taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is for information purposes only. Certain conditions and restrictions apply. For more information, see the insurance policy.

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^®. Assurant^® 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.

Eligible registered plans: RRSP, TFSA and FHSA only.