Savings and investments
Plan for the future and grow your money with our savings and investment products.
Current promotions
Savings plans for all your needs
Registered savings plans offer numerous tax benefits and allow you to achieve your goals, such as saving for retirement, a child's education or your first home, or building an emergency fund.
Goals-based investing
Explore our investment products and see which ones are best for your goals. Need help? Contact your advisor to discuss your savings goals.
Guaranteed investments (term savings)
Enjoy a known return on your investment from day one. Both your principal and interest are guaranteed.
Market-linked guaranteed investments
Harness the growth potential of stocks without risking your capital.
Desjardins Funds
Invest in innovative and competitive fund portfolios tailored to your profile.
Savings accounts
Save your money with no required minimum deposit and no service fees.
Other investment options
Guaranteed Investment Funds under the Helios2 Contract
Earn interest while protecting your estate and your savings.
Responsible annuities
Receive regular, guaranteed income and help create a more sustainable world.
Capital régional et coopératif Desjardins
Get a provincial tax credit and potential returns while supporting businesses across Quebec.
Federation capital shares
Invest in and support your financial cooperative.
Understand the basics of investing
If you're just starting to invest your money, take the time to understand some basic investment concepts, such as types of investments, how returns work and different savings plans. Your goals, investment horizon and risk tolerance can help you choose, as well as determining your investor profile.
Your advisor can help you make sense of everything and lend a hand with your investment goals.
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.