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 August 1, 2025
Loans, lines of credit and credit cards
Foreign exchange rates
Savings and investmentOur current offers and promotional rates
Promotional rate
Online term savings.
Until September 17, 2025, purchase or renew eligible Term S@vings on AccèsD to get this rate.
Get this offerfor Online term savings.
Promotional rate
Online term savings.
Until August 15, 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 appointmentto purchase Convertible Term Savings.
Promotional offer
Promo Quebec MarketLever Guaranteed Investment 4 years
Maximum annual return of 5.53%
Until September 22, 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.Featured Term S@vings
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34 months3.35%
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17 months3.10%
Featured savings accounts
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Savings Account0.75%
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TFSA – Savings Account0.45%
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FHSA – Savings Account2.50%
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RRSP – Savings Account0.75%
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 non-redeemable Term S@vings products purchased or renewed online between July 18 and September 17, 2025, at 9 PM (Eastern Time). This offer may change or end at any time without notice. Other conditions apply.
- 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 May 7 and August 15, 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.
- 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.