Topic: Personal finance 4 great reasons to set up automatic transfers
Promotional rates
Rate on new deposits to a non-registered savings account1
4.65% instead of 0.65% the standard rate.
Effective November 12, 2025, to January 7, 2026.
Rate on new deposits to a TFSA1
4.65% instead of 0.40% the standard rate.
Effective November 12, 2025, to January 7, 2026.
Rate on new deposits to an FHSA1
4.65% instead of 2.50% the standard rate.
Effective November 12, 2025, to January 7, 2026.
Rate on new deposits to an RRSP1
4.65% instead of 0.65% the standard rate.
Effective November 12, 2025, to January 7, 2026.
How to get the promotional rate
Make new deposits to an eligible account between November 12, 2025, and January 7, 2026, and get a bonus interest rate.
You can deposit up to $1,000,000 into all your accounts combined, (non-registered savings account, TFSA, FHSA and RRSP).
Eligible deposits cannot come from a savings account in the same category. For example, you can’t withdraw money from your TFSA Savings Account and then deposit it back into that same account.
Choose your savings account
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. Depending on what your goals and needs are, you can choose from a variety of registered savings plans.
TFSA – Savings Account
Goal
Save for a big purchase or build an emergency fund
Interest rate
0.40%
Key features
- Easy access to your money
- Tax-sheltered savings
- Contributions are not tax deductible and withdrawals are tax-free
- Maximum contribution is limited to the individual's contribution room
3 - Authorized transactions include deposits and withdrawals
FHSA – Savings Account
Goal
Save to buy your first home
Interest rate
2.50%
Key features
- Tax-sheltered savings
- Tax-deductible contributions and tax-free withdrawals to purchase a first home under certain conditions
- Maximum contribution is limited to the individual's contribution room
3 - Authorized transactions include deposits and withdrawals
RRSP – Savings Account
Goal
Save for your retirement, buy a home (HBP) or go back to school (LLP)
Interest rate
0.65%
Key features
- Tax-sheltered savings
- Contributions are tax deductible and withdrawals are taxed
4 - Maximum contribution is limited to the individual's contribution room
3 - Authorized transactions include deposits and withdrawals
5
Features
- No service fees
- No minimum balance required
- Interest earned monthly
- Account eligible for member dividends
6 if your caisse or credit union distributes them - Option to set up automatic transfers to save at your own pace
- Deposits eligible for deposit insurance within set limits
- Account statement included in your everyday account statement
Tools to level up your savings
My savings goals
Create a savings project on AccèsD based on your situation and objective, like building an emergency fund or saving for a trip.
Savings calculator
Use the calculator to see how much you can save when you make regular deposits into your savings account.
Retirement calculator
Calculate and compare different scenarios to see if your retirement goal is realistic.
Advice to help you save
- Topic: Investment Surviving the unexpected: How to create an emergency fund
FAQ
What is a savings account?
A savings account helps you set money aside for a specific goal. Use it to grow your savings, build an emergency fund, plan for a trip or make a big purchase. There are no service fees for this account.
Registered vs non-registered savings accounts: What is the difference?
A registered savings account (TFSA, FHSA and RRSP) is registered with the government and offers numerous tax benefits. Depending on the plan you choose, you can invest tax-free or lower your taxable income. Certain conditions may apply, such as age or contribution limits.
A non-registered savings account has no tax benefits, meaning the investment income in them is taxed. You can make unlimited deposits and withdrawals. No conditions apply.
Open a savings account
By phone
1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1 800 CAISSES)
We can also call you when it's convenient.
Bonus rates subject to change or end at any time without notice. Desjardins also reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke an account holder’s eligibility for the bonus at any time if it believes that the account manipulated or abused the integrity of the process to receive a bonus. The bonus cannot be combined with any other promotion or bonus rate. In the event of a discrepancy between these conditions and the content of any document, brochure or promotional material about the bonus, the conditions herein shall prevail.
The bonus rate applies only to eligible deposits to an eligible account. The bonus is added to the current interest rate posted on each eligible account. The rate is fixed annually, and interest is calculated daily. Interest is paid out at the end of every month. The bonus is paid out into the eligible account and on the day after the promotion ends. For deposits made to an eligible account that is already active during the bonus period, the balance as of January 7, 2026, at 12:00 a.m. will be used to calculate the bonus. Any amount exceeding the balance at this time will be considered an eligible deposit subject to the conditions set out herein. For deposits made to an eligible account opened during the bonus period, the balance used to calculate the bonus is set at zero (0). Any amount exceeding the initial balance is considered an eligible deposit, subject to the conditions set out herein.
All deposits made to a TFSA, RRSP or FHSA savings account are subject to the contribution limits set by the Income Tax Act. You are fully responsible for ensuring that you don’t exceed your contribution limits.