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Have you heard? Genium360 and Desjardins have partnered to offer a wide range of financial advantages designed especially for you!

Preferred rates, exceptional savings and other great perks: Save with the Desjardins Exclusive offer!*1

  • A complete transaction plan2 that includes up to 4 accounts with unlimited personal banking transactions (including a U.S. dollar account)3, and an Odyssey® World Elite® Mastercard4
  • A reduced mortgage rate—save up to $4,375 a year5 
  • $1,000 cash back when you take out a new mortgage6
  • A line of credit at prime rate (3.95 %)7 8, which could save you up to $1,080 a year9
  • And much more!

 

ARE YOU A STUDENT?

Team up with Desjardins for the best student offer**! As a partner for your education, we provide you with a comprehensive offer that’s adapted to your reality. It includes:

  • Banking with no monthly fee10
  • Great rate on your line of credit11
  • Credit card with rewards and no fee
  • And more!

 

*Details and conditions at desjardins.com/ca/genium360
**Details and conditions at desjardins.com/student
® Odyssey is a registered trademark of the Fédération des caisses Desjardins du Québec.
® Mastercard and World Elite are registered trademarks of Mastercard International Inc.
Financing offers (Desjardins credit cards, payment methods and all other forms of financing) are subject to credit approval. Certain conditions apply to all products and services. Subject to change without notice.
Visa and Gold Visa are registered trademarks of Visa International Service Association, used under license.
1 To take advantage of the Exclusive offer, you must be an engineer, forestry engineer or have a bachelor’s degree in engineering and be a member of Genium360.
2 To sign up for the complete transaction plan at $125 a year, you must have two eligible credit cards. All accounts under the $125/year transaction plan must be held at the same caisse.
3 The Exclusive offer includes up to four accounts with unlimited transactions: the Premier Plus plan and three additional accounts (including a U.S. dollar account, excluding Interac e-Transfers). The offer includes an Odyssey® World Elite® Mastercard (valued at $130 per year) or an Odyssey® Gold® Visa card (valued at $110 per year).
4 Eligibility criteria for the Odyssey® World Elite® card: gross annual income of $80,000 for the primary cardholder or household income of $150,000.
5 Mortgage savings estimated based on a $225,000 mortgage and a 1.75% rate reduction. The rate reduction offered can be up to 1.75% off the fixed-rate portion of a hybrid mortgage. The interest reduction will decrease as the loan’s principal balance is paid down.
6 Cash back on a new Desjardins mortgage of at least $100,000. It will be deposited directly into the account linked to the mortgage. In addition, eligible professionals can combine this cashback offer with promotional mortgage rates, provided the loan term is at least 48 months.
7 The prime rate is the annual variable interest rate that is publicly and occasionally set by the Fédération des caisses Desjardins du Québec, and from which it calculates the interest rate on the loans it grants in Canadian dollars in Canada.
8 The 3.95% interest rate came into effect on October 25, 2018, and may be changed without notice. The rate may vary according to your credit rating, the amount borrowed, guarantees offered and other factors.

9 Interest rate reduction estimate based on an average balance of $18,000 on a personal line of credit with a reduced rate of 6%, which is the difference between 3.95% + 6% and 3.95%. The 3.95% interest rate came into effect on October 25, 2018, and may be changed without notice. The rate granted may vary according to your credit rating, the amount borrowed, guarantees offered and other factors.
10 Members who are full-time university students at a recognized educational institution can get up to $13.95 off the transaction plan of their choice every month. Members who choose to apply this discount to The Premier plan will get unlimited daily transactions free of charge. When members graduate, they will have saved over $500 ($167.40 per year). For the terms and conditions of the accounts or service charges, visit the Plans page. To get the discount on the transaction plan of your choice, ask at your caisse or call 1-800-224-7737.
11 Subject to caisse credit approval. The proposed rate for the Student STRATEGIC Line of Credit is subject to change without notice. The rate may vary according to your credit rating, the amount borrowed, guarantees offered and other factors. Some conditions apply. This offer may be amended or withdrawn without notice.

To take advantage of this offer