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Rates and returns – Loans, credit and cards

Have a look at the interest rates and returns on our loans, lines of credit, credit cards, foreign currencies, and savings and investment products.

Current rates on April 16, 2025

Base and prime rates

Desjardins Personal Base Rate

6.45%
Desjardins prime rate^[ 1 ]

4.95%
Desjardins U.S. prime rate^[ 1 ]

8.00%

Rate history - External link. This link will open in a new window

Most popular loan rates and financing options

Rates on other loans

These rates are recommended by the Fédération des caisses Desjardins du Québec to all caisses. They are subject to change without notice.

The Desjardins prime rate was previously called the Caisse centrale Desjardins prime rate.The Desjardins U.S. prime rate was previously called the Caisse centrale Desjardins U.S. prime rate.