Desjardins Term Deposit

Cash that grows, securely

Desjardins Term Deposits are only available to residents of Quebec and businesses registered in Quebec.1 through Desjardins Securities advisors and CIRO investment advisors with Desjardins Signature Service, as well as through Desjardins Online Brokerage.

Please read the Desjardins Term Deposit terms and conditions for more information.

A simple way to earn predetermined income

A Desjardins Term Deposit lets your cash grow with predetermined interest. With a competitive fixed rate and principal protection, it’s a simple and secure way to earn predictable returns.

Designed for investors seeking dependability, it offers portfolio stability and diversification while keeping your investments protected from market volatility.

Advantages of Desjardins Term Deposit

  • Competitive rates

    The invested funds grow thanks to our competitive fixed interest rates. 2

  • Predetermined returns

    Terms of 1 to 5 years.
    Interest is calculated daily and can be paid monthly, semi-annually, annually or at maturity.

  • No fees

    No transaction or service fees.

  • Secure

    Your principal is guaranteed and deposits are protected by the AMF’s (Autorité des marchés financiers) deposit insurance. 3

  • Simple

    The income generated is known from the outset, so you can plan with confidence.

  • Accessible

    The account is available to all types of investors and eligible for both registered and non registered plans.

Product Details –

Desjardins Term Deposit (No commission — fee-based accounts)
Term
Interest payment frequency 1 year 2 years 3 years 4 years 5 years
Annual or at maturity 0,00% 0,00% 0,00% 0,00% 0,00%
Semi-annual 0,00% 0,00% 0,00% 0,00% 0,00%
Monthly 0,00% 0,00% 0,00% 0,00% 0,00%
Desjardins Term Deposit (Including a 0.25% sales commission)
Term
Interest payment frequency 1 year 2 years 3 years 4 years 5 years
Annual or at maturity 0,00% 0,00% 0,00% 0,00% 0,00%
Semi-annual 0,00% 0,00% 0,00% 0,00% 0,00%
Monthly 0,00% 0,00% 0,00% 0,00% 0,00%

Interest calculation

  1. For term deposits with periodic interest payments (monthly, semi-annual, or annual), interest is calculated daily on the initial principal using the simple interest method, then accumulated and paid according to the scheduled frequency.
  2. For term deposits where interest is paid only at maturity, interest is calculated daily and compounded annually using the compound interest method, then paid in full at maturity.

Other features

  1. A commission of 0.25% per year applies to commission-based accounts and is included in the displayed rate; the rate for fee-based accounts is increased by 0.25%.
  2. Product offered in Canadian dollars only.
  3. Minimum initial investment of $5,000. 4
  4. Maximum investment: none.

Negociated rates

You may negotiate the interest rate, subject to a minimum investment of $1,000,000.

For more information, please contact your Regional Sales Director.

(For advisor use only)

Desjardins Term Deposits are not offered to businesses that do not have an establishment in Quebec. Desjardins Term Deposits are not offered to residents of Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan or the Yukon.

Desjardins internal monitoring as at May 31, 2026.

A Desjardins Term Deposit is a deposit of money as defined by the Deposit Institutions and Deposit Protection Act. The Fédération des caisses Desjardins du Québec is a deposit institution authorized by the Autorité des marchés financiers (AMF). That means your deposits are protected by deposit insurance. For more information, see the deposit protection section of the AMF’s website at lautorite.qc.ca.

Not eligible for pre-authorized or regular contributions.