Rates and returns – Interest rates on accounts and on savings and investment products
Have a look at the interest rates for our loans, lines of credit, credit cards, foreign currencies, and savings and investment products. Select the option you'd like to explore.
Current rates on November 14, 2025
Loans, lines of credit and credit cards
Foreign exchange rates
Savings and investmentOur current offers and promotional rates
Promo Quebec MarketLever Guaranteed Investment 4 years
Maximum annual return of 5.53%
Until November 17, 2025, get a maximum annual return of 5.53% with the Promo Quebec MarketLever Guaranteed Investment (4-year term).
Get this offerfor the Promo Quebec MarketLever Guaranteed Investment.Convertible Term Savings
Until December 19, 2025, purchase Convertible Term Savings at a caisse or branch or by phone to get this rate. This offer is only valid for new deposits from other financial institutions.
Book an appointment to purchase Convertible Term Savings.Savings accounts
From November 12, 2025, to January 7, 2026, make new deposits to an eligible account and get a bonus interest rate.
Get this offer for savings accounts.Already contributed the maximum amount to your TFSA for 2025?
Until December 31, 2025, invest your 2026 TFSA contribution in term savings and get a promotional rate of 2.75% online or 2.60% at a caisse or branch.
At maturity on January 5, 2026, your capital will be automatically transferred to your TFSA savings account.
Get this offer online for the pre-TFSA promotion.Featured savings accounts
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Savings Account0.65%
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TFSA – Savings Account0.40%
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FHSA – Savings Account2.50%
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RRSP – Savings Account0.65%
See rates for savings accounts and chequing accounts
Other savings products
- Term S@vings
- Term Savings
- Enhanced Savings Plan (formerly My Savings Plan)
- Redeemable Climbing-Rate Term Savings
- Regular Income Term Savings
- Personalized Annuity RRIF/LIF Term Savings
Investment products
- Rate subject to change without notice. This promotional offer is valid only for Convertible Term Savings purchased at a caisse or branch or by phone between November 12 and December 19, 2025, at 9 PM. This offer is only available for new deposits originating from outside of Desjardins. The offer may be modified or terminated at any time without prior notice. Additional terms and conditions apply.
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A bonus is offered by Desjardins to members of a Desjardins caisse in Quebec.
a. 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.
b. 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, 2025, 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.
c. All deposits made to a TFSA, RRSP or FHSA savings accounts 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.
- Information on MLGI rates of return is provided for your information only. This information will vary and may be subject to change at any time without notice. Desjardins cannot guarantee the accuracy of this information. Before investing, you should read the investment agreement, which can be found at www.desjardins.com/mlgi. In the event of a discrepancy between this site and the investment agreement, the investment agreement will prevail. Variable return may be nil at maturity. Your capital is always guaranteed at maturity. This product is redeemable or convertible once a year, after the 3rd year, during prescribed periods and in compliance with terms stipulated in the investor agreement. Redemption or conversion value may be less than the capital invested. Conversion value is greater than redemption value because you continue to hold a Desjardins Market-Linked Guaranteed Investment.
- This promotional offer applies only to non-redeemable online Term S@vings products available on AccèsD. Rates are subject to change without notice. Some terms and conditions apply. The pre-TFSA promotion may end at any time.
- Upon maturity, on January 5, 2026, the principal will be transferred to your Desjardins TFSA savings account and treated as a contribution for 2026, and the interest generated by your principal will be deposited in your non-registered Everyday Transaction Account and will be taxable. It's your responsibility to make sure that your contributions do not exceed your 2026 TFSA contribution room. A tax of 1% per month applies to excess contributions. To find out your TFSA contribution room, visit My Account at the Canada Revenue Agency (CRA) External link.. The unused TFSA contribution room provided by the CRA does not include contributions made during the current year. Your TFSA contribution room includes all TFSAs you hold, whether at Desjardins or another financial institution.