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 September 11, 2025
Loans, lines of credit and credit cards
Foreign exchange rates
Savings and investmentOur current offers and promotional rates
Online term savings.
Until October 3, 2025, purchase or renew eligible Term S@vings on AccèsD to get this rate.
Get this offerfor Online term savings.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.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 Term S@vings
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34 months3.20%
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17 months3.00%
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 October 3, 2025, at 9 PM (Eastern Time). This offer may change or end at any time without notice. Other 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.
- 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.