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Product available only to Quebec residents and companies registered in Quebec through Desjardins Securities advisors and CIRO investment advisors with Desjardins Signature Service, as well as through Desjardins Online Brokerage 1.
The Desjardins Investment Savings Account is great way to grow money for future projects, to cover unexpected expenses or to invest later. It can be an effective way to diversify an investment portfolio.
This account provides competitive and attractive interest rates. It’s also extremely flexible since money is accessible when needed. This type of saving meets short-term liquidity needs.
The money invested grows thanks to our interest rates — among the most competitive on the market. Interest is calculated daily and paid monthly. 2
Funds are available at any time. 3 There is no lock-in period or maturity date.
No transaction or service fees.
The investment is eligible for registered and non-registered plans.
Deposits are protected by the deposit insurance managed by the AMF (Autorité des marchés financiers). 4
| Desjardins Investment Savings Account | |||
|---|---|---|---|
| Particular | Business | ||
| Series A DJQ1000 |
Series F DJQ1100 |
Series A DJQ2000 |
Series F DJQ2100 |
| 2.45% | 2.70% | 2.45% | 2.70% |
Product available in Canadian dollars only.
Minimum initial investment of $1,000.
No minimum for subsequent investments. 5
Maximum investment: none.
| Effective Date | Particular | Business | ||
|---|---|---|---|---|
| Series A DJQ1000 |
Series F DJQ1100 |
Series A DJQ2000 |
Series F DJQ2100 |
|
| March 19, 2025 | 2.45% | 2.70% | 2.45% | 2.70% |
| February 5, 2025 | 2.70% | 2.95% | 2.70% | 2.95% |
| January 3, 2025 | 2.95% | 3.20% | 2.95% | 3.20% |
| December 18, 2024 | 3.10% | 3.35% | 3.10% | 3.35% |
| October 30, 2024 | 3.55% | 3.80% | 3.55% | 3.80% |
| September 11, 2024 | 4.10% | 4.35% | 4.10% | 4.35% |
| August 1, 2024 | 4.35% | 4.60% | 4.35% | 4.60% |
| June 14, 2024 | 4.60% | 4.85% | 4.60% | 4.85% |
| January 29, 2024 | 4.85% | 5.10% | 4.85% | 5.10% |
Please note that the effective rates for the CEPD are those displayed in the 'Product Details' section. There may be a delay between a change in the effective rates and the update of the rate change history.
Product available only to residents of the province of Quebec and companies registered in Quebec. Desjardins Securities Inc. is a member of the Canadian Investment Regulatory Organization (CIRO) and a member of the Canadian Investor Protection Fund (CIPF).
Monthly interest payment (or upon full buyback) paid into the account or reinvested.
Within one business day, subject to the processing times described in the Account terms and conditions of account use.
The Desjardins Investment Savings Account (DISA) is a money deposit in regard of the Deposit Institutions and Deposit Protection Act. The Fédération des caisses Desjardins du Québec is a deposit institution authorized by the AMF. Your deposits are protected by the deposit insurance. For more information, visit the deposit protection page on the AMF website at lautorite.qc.ca.
Not eligible for pre-authorized/automatic withdrawals.
Rates are offered for a limited period and subject to change without notice at anytime.
Desjardins Wealth Management Securities is a trade name used by Desjardins Securities Inc.
Desjardins®, all trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.
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