Desjardins GIC rates
Deposits issued by Fédération des caisses Desjardins du QuébecQuebec's cooperative financial group. Its online Term S@vings price above the branch term-savings table.
Rates verified nightly
· re-checked against Desjardins's own site
· last check Oct 10, 2026
4.100%
today25
across 3 products30 days – 10 years
$1,000
At a glance
$100,000
AMF (Quebec) · insured under Fédération des caisses Desjardins du QuébecOnline, Mobile App, Branch, Phone, Financial Advisor
Across Canada
Good to know
Deposits are insured by the Autorité des marchés financiers under Quebec's Deposit Insurance Act, up to $100,000 per category.
GIC products from Desjardins
Every GIC Desjardins currently offers, with the rate range each one pays.
Desjardins Term S@vings (Online)
3.40% – 4.100%
Terms 1 year – 5 years · min $1,000Desjardins' online-purchase term savings, priced above the branch table.
Desjardins Redeemable Term Savings
2.00% – 3.85%
Terms 1 year – 5 years · min $1,000Redeemable before maturity, including a climbing-rate option.
Desjardins Term Savings
1.70% – 4.00%
Terms 30 days – 10 years · min $1,000The standard branch term savings, with terms from 30 days out to 10 years.
Desjardins rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 25 offers
$
$
4.100%
Desjardins Term S@vings (Online) · 5 years
25
$2,050
over the 5 years term
How rates change with term length
Each line is one institution's best posted rate at that term — the 1 most competitive in this view.
Locking in for 5 years currently pays up to 0.70 points more than 1 year.
Every published rate
Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.
| Product | Term | Rate | Value on $10,000 | |
|---|---|---|---|---|
Desjardins Term S@vings (Online) Non-redeemable · At maturity · min $1,000 | 5 years | 4.100% | $12,225 +$2,225 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 5 years | 4.00% | $12,167 +$2,167 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 6 years | 4.00% | $12,653 +$2,653 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 7 years | 4.00% | $13,159 +$3,159 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 8 years | 4.00% | $13,686 +$3,686 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 9 years | 4.00% | $14,233 +$4,233 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 10 years | 4.00% | $14,802 +$4,802 | |
Desjardins Redeemable Term Savings Redeemable · At maturity · min $1,000 | 5 years | 3.85% | $12,079 +$2,079 | |
Desjardins Term S@vings (Online) Promo Non-redeemable · At maturity · min $1,000 | 22 months | 3.60% | $10,670 +$670 | |
Desjardins Term S@vings (Online) Non-redeemable · At maturity · min $1,000 | 4 years | 3.45% | $11,453 +$1,453 | |
Desjardins Term S@vings (Online) Non-redeemable · At maturity · min $1,000 | 1 year | 3.40% | $10,340 +$340 | |
Desjardins Term S@vings (Online) Non-redeemable · At maturity · min $1,000 | 2 years | 3.40% | $10,692 +$692 | |
Desjardins Term S@vings (Online) Non-redeemable · At maturity · min $1,000 | 3 years | 3.40% | $11,055 +$1,055 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 4 years | 3.35% | $11,409 +$1,409 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 1 year | 3.30% | $10,330 +$330 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 2 years | 3.30% | $10,671 +$671 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 3 years | 3.30% | $11,023 +$1,023 | |
Desjardins Redeemable Term Savings Redeemable · At maturity · min $1,000 | 3 years | 3.15% | $10,975 +$975 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 270 days | 2.300% | $10,172 +$172 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 180 days | 2.200% | $10,109 +$109 | |
Desjardins Redeemable Term Savings Redeemable · At maturity · min $1,000 | 1 year | 2.00% | $10,200 +$200 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 90 days | 1.90% | $10,047 +$47 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 120 days | 1.90% | $10,063 +$63 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 30 days | 1.70% | $10,014 +$14 | |
Desjardins Term Savings Non-redeemable · At maturity · min $1,000 | 60 days | 1.70% | $10,028 +$28 |