FinviloDesjardins
Basic plan
A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $1,500 is maintained throughout the month.
- Monthly fee
- $3.95
- Transactions included
- 12
Desjardins
We list 23 Desjardins products, grouped by type below. Details come from Desjardins's own published pages; anything it does not publish is left out. We have not personally tested these products.
Official Desjardins websiteChequing
Desjardins
Everyday account (chequing account)
An everyday transaction account available with a transaction plan or individual transaction charges. Desjardins has a caisse network across Quebec and Ontario.
Full details for Everyday account (chequing account) (opens in new tab)Desjardins
Intermediate plan
A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $3,000 is maintained throughout the month.
- Monthly fee
- $10.95
- Transactions included
- 30
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Unlimited plan
A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $4,000 is maintained throughout the month.
- Monthly fee
- $15.95
- Transactions included
- Unlimited transactions
Desjardins
Unlimited Plus plan
A transaction-plan option for the everyday account. The monthly plan fee is waived when at least $5,000 is maintained throughout the month.
- Monthly fee
- $23.95
- Transactions included
- Unlimited transactions
Credit Cards
Desjardins
Cash Back Mastercard
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% on your purchases
Desjardins
Cash Back Visa
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% on your purchases
Desjardins
Cash Back World Elite Mastercard
A personal credit card with cash-back rewards on eligible purchases.
- Annual fee
- $100
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 4% on your purchases
Desjardins
Flexi Visa
A personal credit card with a lower purchase interest rate and no annual fee.
- Annual fee
- None
- Purchase interest rate
- 10.9%
- Cash advance rate
- 12.9%
Fixed and variable
Desjardins
Desjardins Mortgage
Mortgages from Desjardins caisses, mainly in Quebec and Ontario.
Full details for Desjardins Mortgage (opens in new tab)Home
Desjardins
Home insurance
Home insurance protects a home and belongings against common losses such as fire, theft and water damage. It suits homeowners, with optional coverage available for different types of water damage and online purchase available if eligible.
- Optional coverages
- Water damage coverages
No-fee accounts
Desjardins
Non-registered savings account
An accessible savings account for short-term goals or an emergency fund, with taxable interest and no service fees.
- Savings interest rate
- 0.55%
Other
Desjardins
US Dollar Build-Up Savings Account
A US dollar savings and transaction account with tiered interest. Regular transactions are free when the monthly balance stays at US$1,000 or more.
Full details for US Dollar Build-Up Savings Account (opens in new tab)Personal lines of credit
Desjardins
Personal Line of Credit
Pre-authorized personal credit for short-term costs, purchases and unexpected expenses. Confirm your rate, limit and repayment requirements.
- Provincial availability
- Not confirmed. Ask the provider about residence and membership requirements.
Registered and Retirement Accounts
Desjardins
FHSA – Savings Account
A first-home savings account with tax-deductible contributions and tax-free qualifying home-purchase withdrawals.
- Savings interest rate
- 2.00%
Desjardins
Regular savings account
A short-term savings account available in registered and non-registered forms. Registered accounts earn 0.55% and non-registered accounts earn 0.05%.
Full details for Regular savings account (opens in new tab)Desjardins
RRSP – Savings Account
A retirement savings account with tax-deductible contributions and taxable withdrawals.
- Savings interest rate
- 0.55%
Desjardins
TFSA – Savings Account
A savings account with tax-sheltered growth and tax-free withdrawals within TFSA limits.
- Savings interest rate
- 0.35%
Renters
Desjardins
Tenant insurance for renters
Tenant insurance protects renters’ belongings against fire, theft and water damage and includes liability coverage. It suits renters because the landlord’s insurance does not cover their belongings; online purchase is available if eligible.
- Coverage included
- Belongings; liability for unintentional bodily injury or property damage
Rewards
Desjardins
Bonus Visa
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- None
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% of your purchases in BONUSDOLLARS
Desjardins
Odyssey Gold Visa
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- $110
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 2% of your purchases in BONUSDOLLARS
Desjardins
Odyssey Visa Infinite Privilege
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- $295 for Desjardins members and $395 for non-members
- Purchase interest rate
- 11.9%
- Cash advance rate
- 12.9%
- Earn rate
- Up to 4% of your purchases in BONUSDOLLARS
Desjardins
Odyssey World Elite Mastercard
A personal credit card with BONUSDOLLARS rewards on eligible purchases.
- Annual fee
- $130
- Purchase interest rate
- 20.9%
- Cash advance rate
- 21.9%
- Earn rate
- Up to 3% of your purchases in BONUSDOLLARS
Rates and fees change. Confirm current terms with Desjardins before applying. General information, not personalized advice.