Institution profile · Cooperative financial group
Desjardins
ActiveDesjardins Group (Fédération des caisses Desjardins du Québec and member caisses)Provincial insurer
Desjardins Group is a cooperative financial group of caisses in Quebec and Ontario, headquartered in Lévis. Its Quebec deposits are insured by Quebec’s AMF, not CDIC.
Profile facts checked October 30, 2026
At a glance
- Legal name
- Desjardins Group (Fédération des caisses Desjardins du Québec and member caisses)
- Type
- Cooperative financial group
- Head office
- Lévis, QC
- Founded
- 1900 — Desjardins dates its founding to 1900.
- Regulator
- Autorité des marchés financiers (Quebec); Ontario caisses by FSRA
- Cheapest everyday account
- Everyday account - Unlimited plan — $191 a year for the Everyday example
- Best posted savings rate
- 0.55% on $10,000 (Non-registered savings account)
- Website
- www.desjardins.com
Deposit protection
Deposits at Quebec Desjardins caisses and the Fédération are insured by the AMF up to $100,000 per person, per category. Caisse Desjardins Ontario Credit Union is covered by Ontario’s FSRA. Desjardins Trust Inc. is a CDIC member.
Provincial rules: Quebec — $100,000.
Names CDIC lists for this member: Desjardins Trust, Desjardins Wealth Management Investments.
Desjardins chequing accounts and what they cost
Desjardins lists 8 chequing accounts with FCAC. For our “Everyday” example (25 debit purchases, 6 bills, 5 e-Transfers and a $1,000 low balance a month), the cheapest account open to anyone is Everyday account - Unlimited plan at $191 a year. Accounts limited to a group are marked.
| Account | Monthly fee and waiver | Included | Fees a year |
|---|---|---|---|
| Desjardins Youth Profit AccountYouth (18 and under) | No monthly fee | Unlimited | $0 |
| Everyday account - Unlimited plan | $15.95/mo, or $0 with a $4,000 minimum balance | Unlimited | $191 |
| Everyday account - Unlimited Plus plan | $21.95/mo, or $0 with a $5,000 minimum balance | Unlimited | $263 |
| Everyday account - Intermediate plan | $10.95/mo, or $0 with a $3,000 minimum balance | 30 a month | $341 |
| Everyday account - Basic plan | $3.95/mo, or $0 with a $1,500 minimum balance | 12 a month | $527 |
| Desjardins Merit Service (60 years and over)Seniors | No monthly fee | None included (each one is charged) | $660 |
| Everyday Account (without a transaction plan) | No monthly fee | None included (each one is charged) | $660 |
| School caisse (6 to 11 years old)Youth (18 and under) | No monthly fee | Unlimited | n/a |
Desjardins savings accounts and posted rates
| Account | Rate at $10,000 | Monthly fee |
|---|---|---|
| Non-registered savings account | 0.55% | No monthly fee |
| Regular Savings Account | 0.05% | No monthly fee |
On the official lists
| Legal entity | OSFI list | CDIC member |
|---|---|---|
| Desjardins Trust Inc. | OSFI — trust company | Yes |
Facts, with sources
- Describes itself as the largest cooperative financial group in Canada, with caisses in Quebec and Ontario.Source: desjardins.com
- Each Desjardins caisse in Quebec and the Fédération des caisses Desjardins du Québec are authorized deposit institutions under the AMF’s deposit insurance regime.Source: desjardins.com
- The Fédération’s head office is at 100, rue des Commandeurs, Lévis.Source: desjardins.com
- Desjardins Trust Inc. is listed as a CDIC member.Source: cdic.ca
Your own pattern can change the order. Put your numbers into the true-cost finder to rank Desjardins’s accounts against everyone else’s.
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