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High Interest S@vings Account

Put money aside in a tax-sheltered plan!

  • Promotional rate is the regular rate of 0.75% + bonus rate of 1.50% on new deposits made between September 12 and November 15, 2017
  • Account type: high interest savings account only available on Personal AccèsD Internet and mobile
  • Fees: No service charges
  • Deposit insurance: up to $100,000 per person per caisse

Features

Only available on Personal AccèsD Internet and mobile, this account is for people who want to grow their savings quickly with each dollar saved earning high interest. There are no fees and you can access your funds easily. The account is also RRSP eligible.

Transactions

Inter-institution transfers and transfers between this account and your other Desjardins accounts permitted at all times1. No minimum amount required.

Interest

Interest paid monthly.

See current rates.

Monthly fees

No fees

Account statement

Monthly statement of account included in the chequing account statement you receive by mail or online.

Learn more about monthly account statements.

Deposit insurance

Deposits insured up to $100,000 per person per caisse. In Ontario, Canadian dollar deposits are insured up to $100,000 by the Deposit Insurance Corporation of Ontario.

Learn more about deposit insurance (FAQ).

Eligible for these plans

The High Interest S@vings Account is eligible for non-registered plans and RRSPs.

Other

Bonus terms and conditions (the “Bonus”)

  1. The Bonus is offered by Desjardins to members of a Desjardins caisse in Quebec and Ontario.
  2. The Bonus is offered from September 12 to November 15, 2017 (the “Bonus Period”).
    Desjardins may modify the terms and conditions, and change or cancel the Bonus at any time.
  3. The Bonus applies to eligible deposits made during the Bonus Period to the following accounts:
    • Enhanced Investment Account
    • TFSA Savings Account
    • High Interest S@vings Account – Non-registered
    • High Interest S@vings Account – RRSP
  4. The Bonus is 1.50% and 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 at the end of each month and on the day after the promotion ends.
  5. Eligible deposits must meet all the terms and conditions specified below:
    1. Must be made to an eligible account during the Bonus Period.
    2. The total eligible deposits cannot exceed a million dollars ($1,000,000.00).
    3. For deposits made to an eligible account that is already active during the Bonus Period, the balance as at September 12, 2017 at 12:01 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.
    4. 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.
    5. Cannot come from another account in the same category. Account transfers made from an account from the same category are not considered eligible deposits.
  6. The Bonus cannot be combined with any other promotion or bonus rate.
  7. 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.
  8. Desjardins 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 holder manipulated or abused the integrity of the process to receive the Bonus.
  9. All deposits made to a TFSA and High Interest S@vings Account – RRSP are subject to the contribution limits set by the Canada Revenue Agency (CRA). The RRSP contribution limit is on the Notice of Assessment from the CRA. Members are fully responsible for ensuring that they respect their contribution limits.

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