About Desjardins - Caisses
Desjardins Group (Mouvement Desjardins) is the largest federation of credit unions (caisses populaires) in North America, founded by Alphonse Desjardins in Lévis, Quebec on December 6, 1900. The cooperative is owned by its members through local caisses in Quebec and Ontario, serving more than seven million members and clients, and also offers insurance, wealth management and payment services. It is designated a domestic systemically important financial institution supervised primarily by Quebec's AMF.
MoreLess
Access: Membership required · Open common bond
Eligible provinces: Quebec, Ontario
How to join: Open an account with a local caisse (online or in branch), which includes purchasing a qualifying membership share.
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.40% |
| 2-year GIC | 3.40% |
| 3-year GIC | 3.40% |
| 4-year GIC | 3.45% |
| 5-year GIC | 4.10% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–89 days | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $5k+ | 1.70% |
| 90–179 days | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $5k+ | 1.90% |
| 180 – 269 days | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $5k+ | 2.20% |
| 270 – 364 days | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $5k+ | 2.30% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 3.30% |
| 1 year | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | Y | — | At maturity | $1k+ | 2.00% |
| 2 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 3.30% |
| 3 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 3.30% |
| 4 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 3.35% |
| 5 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 4.00% |
| 6 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 4.00% |
| 7 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 4.00% |
| 8 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 4.00% |
| 9 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 4.00% |
| 10 years | Non-regRRSPRDSPRRIFTFSAFHSALIRALIF | N | — | At maturity | $1k+ · $500+ reg | 4.00% |
| Term S@vings ratesNon-redeemable · paid at maturity · tiered by deposit | ||||||
| 1 year | Non-regRRSPTFSAFHSALRIF | N | — | At maturity | $1k+ · $500+ reg | 3.40% |
| 22 months | Non-regRRSPTFSAFHSALRIF | N | — | At maturity | $1k+ · $500+ reg | 3.60% |
| 2 years | Non-regRRSPTFSAFHSALRIF | N | — | At maturity | $1k+ · $500+ reg | 3.40% |
| 3 years | Non-regRRSPTFSAFHSALRIF | N | — | At maturity | $1k+ · $500+ reg | 3.40% |
| 4 years | Non-regRRSPTFSAFHSALRIF | N | — | At maturity | $1k+ · $500+ reg | 3.45% |
| 5 years | Non-regRRSPTFSAFHSALRIF | N | — | At maturity | $1k+ · $500+ reg | 4.10% |
| Personalized Annuity Term Savings ratesRedeemable · paid at maturity · $5k minimum | ||||||
| 1 year | RRIFLIF | Y | — | At maturity | $5k+ reg | 3.30% |
| 2 years | RRIFLIF | Y | — | At maturity | $5k+ reg | 3.30% |
| 3 years | RRIFLIF | Y | — | At maturity | $5k+ reg | 3.30% |
| 4 years | RRIFLIF | Y | — | At maturity | $5k+ reg | 3.35% |
| 5 years | RRIFLIF | Y | — | At maturity | $5k+ reg | 4.00% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-15The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 3-year escalators | ||||||
| Redeemable Climbing-Rate Term Savings rates3 years · redeemable · min $1kNon-regRDSPTFSAFHSA | 2.90% | 3.10% | 3.45% | — | — | 3.15% |
| 5-year escalators | ||||||
| Redeemable Climbing-Rate Term Savings rates5 years · redeemable · min $1kNon-regRDSPTFSAFHSA | 2.90% | 3.10% | 3.45% | 4.45% | 5.35% | 3.85% |
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Non-registered savings account | — | Monthly | — | 0.55% |
| RRSP | |||||
| RRSP | RRSP – Savings Account | — | Monthly | — | 0.55% |
| TFSA | |||||
| TFSA | TFSA – Savings Account | — | Monthly | — | 0.35% |
| FHSA | |||||
| FHSA | FHSA – Savings Account | — | Monthly | — | 2.00% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.75% |
| 1-year | Fixed | Open | No | 9.50% |
| 6-month | Fixed | Closed | No | 7.99% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 5.59% |
| 3-year | Fixed | Closed | No | 6.04% |
| 4-year | Fixed | Closed | No | 4.59% |
| 4-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | No | 4.69% |
| 5-year | Fixed | Closed | No | 6.14% |
| 6-year | Fixed | Closed | No | 6.29% |
| 7-year | Fixed | Closed | No | 6.39% |
| 10-year | Fixed | Closed | No | 6.89% |
| 1-year | Variable | Open | No | 5.70% |
| 2-year | Variable | Open | No | 5.70% |
| 5-year | Variable | Closed | No | 5.49% |
| Closed reduced variable-rate mortgageVariable · closed · conventional · 5-year term | ||||
| 5-year | Variable | Closed | No | 4.10% |
| 5-year | Variable | Closed | No | 4.45% |
| Closed protected variable-rate mortgageVariable · closed · conventional · 5-year term | ||||
| 5-year | Variable | Closed | No | 4.70% |
No mortgage rates match these filters.
We hunt. You gather.
Rates change without notice. Get rate alerts from Ratehunter and you'll be the first to know when Desjardins - Caisses — or anyone else — posts a better rate.
Get rate alertsBrowse all institutions · Best GIC rates · Best HISA rates · Best mortgage rates