Overview
Desjardins is North America's largest cooperative financial group and Canada's dominant credit union network. With over 7 million members mostly in Quebec and Ontario, Desjardins offers comprehensive personal and business banking, insurance, and investment services.
Current Rates
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 2.60% |
| 3-Year GIC | 2.80% |
| 5-Year GIC | 3.15% |
Pros
- • Full-featured digital banking — app, online, e-Transfer and broad ATM access
- • Extensive ATM access through the Desjardins network across Canada
- • Extensive branch network with 800+ locations
- • Open to all Canadians — easy to join
Cons
- • Smaller institution — fewer specialized product tiers than major banks
Best For
Products & Accounts
Membership Eligibility
Open to residents of Quebec and Ontario
Membership is available to anyone living or working in regions served by a Desjardins caisse. Most Quebec and Ontario residents qualify.
Deposit Protection
AMF
$100,000 per depositor
Deposits at Quebec caisses populaires are guaranteed by the Autorité des marchés financiers (AMF) up to $100,000 per depositor.
Digital & Access
- Mobile App
- Online Banking
- Interac e-Transfer
- ATM NetworkDesjardins ATM network (AccèsD)
- Digital Ratingexcellent
Rate and eligibility data is gathered from official credit union websites and verified comparison sources. Last researched Mar 23, 2026. Always verify rates directly on the official website before making financial decisions.
Official Website