Desjardins

Desjardins Mortgage Rates

Compare current Desjardins mortgage rates in Canada

North America's largest federation of credit unions.

Best Desjardins Rates

Lowest rates by product type

5-Year Fixed

Insured

No rate available

5-Year Fixed

Uninsured

5.19%

Uninsured

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5-Year Variable

Insured

No rate available

5-Year Variable

Uninsured

4.65%

Uninsured

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Rate Overview

Best rate for each term and product type

Best Not offered

Term	Fixed Insured	Fixed Uninsured	Variable Insured	Variable Uninsured
1 year	—	6.14%Apply	—	—
2 years	—	5.79%Apply	—	—
3 years	—	5.14%Apply	—	—
4 years	—	5.29%Apply	—	—
5 years	—	5.19%Apply	—	4.65%Apply

Fixed Rate Mortgages

Lock in your rate for the term of your mortgage

1 year

1 option

Best Rate

Uninsured

6.14%

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2 years

1 option

Best Rate

Uninsured

5.79%

Get This Rate

3 years

1 option

Best Rate

Uninsured

5.14%

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4 years

1 option

Best Rate

Uninsured

5.29%

Get This Rate

5 years

1 option

Best Rate

Uninsured

5.19%

Get This Rate

Variable Rate Mortgages

Rates change with the prime rate

5 years

1 option

Best Rate

Uninsured

4.65%

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About Desjardins

Desjardins is North America's largest federation of credit unions and Quebec's dominant financial institution, serving over 7 million members. Desjardins offers a comprehensive range of mortgage products including fixed-rate, variable-rate, and all-in-one mortgages through the DuoLine home equity line of credit. Their mortgage specialists provide bilingual service and deep expertise in Quebec's unique real estate market. Desjardins is known for competitive rates, flexible terms, and a strong commitment to member satisfaction. With extensive branch networks across Quebec and Ontario, Desjardins combines the personalized service of a credit union with the scale of a major financial institution.