Cash that grows, securely
Desjardins Term Deposits are only available to residents of Quebec and businesses registered in Quebec.footnote 1 They're only available in Canadian dollars.
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 a Desjardins Term Deposit
Predetermined returns
Term 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.footnote 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.footnote 4
Product details
- Product offered in Canadian dollars only
- Maximum investment: none
- Minimum initial investment of $5,000
- 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 websiteExternal link.
- Not eligible for pre-authorized or regular contributions.