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With our financial program, take advantage of attractive rates and reduced fees on a complete range of products and services
- Desjardins is the leading financial cooperative group in Canada, and the largest financial group in Quebec.
- Nearly 694 service outlets and 22 Desjardins Business centres in Quebec and Ontario.
- Direct access to your finances from your mobile device with Desjardins mobile services.
Accounts, marry efficiency with savings
Annual savings of$144on the Unlimited Plus transaction plan
Get a $12discount on the current monthly fee, plus unlimited regular transactions and transfers whether on AccèsD, using your debit card, at the ATM or at the teller counter.
The Unlimited Plus plan includes drafts, a basic safety deposit box or a discount on the rental of other models (depending on availability), certified cheques and a monthly return of online cheque images.
Our credit cards - Enjoy a generous rewards program plus an enrolment bonus
Get a sign-up bonus or cash back equal to the first year's annual fee when you sign up for or upgrade to one of these credit cards:
- Cash Back World Elite® Mastercard - $100 in cash back
- Odyssey® Gold Visa* - 110 BONUSDOLLARS
- Odyssey® World Elite® Mastercard - 130 BONUSDOLLARS
Sign up at a caisse or branch to get this offer.
Lines of credit - Take advantage of a flexible financing solution
Get financing while making the most of reduced rates on:
- the Personal Line of Credit: prime rate +0.75%
- the Versatile Line of Credit: prime rate +0.75%
The Distinctive offer is available on request and may be modified or withdrawn at any time without notice. Your new benefits will apply upon your request. Certain conditions apply.
All financing and credit card applications are subject to credit approval. Conditions apply to all products and services.
Interac® and Interac e-Transfer® are registered trademarks of Interac Corp. Used under licence.
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
® Odyssey and BONUSDOLLARS are registered trademarks of the Fédération des caisses Desjardins du Québec.
* Trademark of Visa International Service Association and used under licence.
- Get a discounted rate of $9.95 per month on the Unlimited Plus Plan and save $12.00 on the current rate (12 months x $12.00 = $144.00 in savings). The plan is free of charge if a minimum monthly account balance of $5,000.00 is maintained.
- For withdrawals at non-Desjardins Interac and Plus*-affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. In addition, some ATM operators may charge additional fees. They must inform you of the fee via an on-screen message before processing the transaction. You then have the option of cancelling the transaction. These fees are added to the withdrawal amount and paid directly to the ATM operator. For more information, see the Service fees page.
- The enrolment bonus will be paid out according to the program associated with the selected card. For example, if the selected card is associated with the BONUSDOLLARS program, the bonus will be paid in BONUSDOLLARS. Use of the bonus is subject to the rules of the applicable program. See the Rewards program section for each card.
- Current Desjardins credit cardholders enrolled in the offer to professionals must become holders of one of the eligible prestige cards to benefit from the sign-up bonus. For prestige cards, the sign-up bonus applies to the following
scenarios: Odyssey Gold Visa to Cash Back World Elite Mastercard, Odyssey World Elite Mastercard or Odyssey Visa Infinite Privilege, and Cash Back World Elite Mastercard or Odyssey World Elite Mastercard to Odyssey Visa Infinite Privilege. The sign-up
bonus does not apply to the Cash Back World Elite card to the Odyssey World Elite card. Bonus does not apply to additional card fees.
You have 21 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, 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 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. - Eligibility criteria for the Cash Back World Mastercard card or the Odyssey World Elite Mastercard card : gross annual income of at least $80,000 for the primary cardholder or household income of $150,000.
- The prime rate is the annual variable interest rate that is publicly and occasionally set by Fédération des caisses Desjardins du Québec, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
- For a minimum financing of $100,000. This line of credit is guaranteed by a first-rank immovable hypothec.