Rates and returns – Interest rates on accounts and on savings and investment products

Have a look at the interest rates for our loans, lines of credit, credit cards, foreign currencies, and savings and investment products. Select the option you'd like to explore.

Current rates on December 22, 2024

Our current offers and promotional rates

Pre-TFSA promotion

Plan for your 2025 TFSA contribution today

Already contributed the maximum amount to your TFSA for 2024? Until December 31, 2024, invest your 2025 TFSA contribution in term savings and get a promotional rate of 4.15% online or 4.00% at a caisse or branch.

At maturity on January 2, 2025, your capital will be automatically transferred to your TFSA savings account.

Get this offer online
Promotional rate

FHSA promotional rate

2.75%

Get this limited-time interest rate for your FHSA savings account.

Open an FHSA

Featured Term S@vings

  • 2 years
    3.25%

See rates for Term S@vings

Featured savings accounts

  • Savings Account
    1.00%
  • TFSA – Savings Account
    0.55%
  • Promotional rate FHSA – Savings Account
    2.75%
  • RRSP – Savings Account
    1.00%

See rates for savings accounts and chequing accounts

Other savings products

Investment products

  1. This promotional offer applies only to non-redeemable online Term S@vings savings products available on AccèsD. Rates are subject to change without notice. Some terms and conditions apply. The pre-TFSA promotion may end at any time.
  2. Upon maturity, the principal will be transferred to your Desjardins TFSA savings account and treated as a contribution for 2025, and the interest generated by your principal will be deposited in your non-registered Everyday Transaction Account and will be taxable. It's your responsibility to make sure that your contributions do not exceed your 2025 TFSA contribution room. A tax of 1% per month applies to excess contributions. To find out your TFSA contribution room, visit My Account at the Canada Revenue Agency (CRA) External link.. The unused TFSA contribution room provided by the CRA does not include contributions made during the current year. Your TFSA contribution room includes all TFSAs you hold, whether at Desjardins or another financial institution.
  3. Rate subject to change without notice. Certain conditions apply.