What are the current interest rates at Desjardins Bank?

Current rates for Desjardins Bank include: 12-Month CD: 3.691%, 24-Month CD: 2.788%, 36-Month CD: 2.273%, 48-Month CD: 2.273%, 60-Month CD: 2.273%, Savings: 3.717%, MMA: 2.48%

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Desjardins Bank Rates & Review October 2026

Q: How many branches does Desjardins Bank operate?

Desjardins Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Desjardins Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Desjardins Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Desjardins Bank's top rates as of October 11, 2026 are 3.945% APY on its Certificate JUMBO 1 Year, 3.717% APY on savings, and 2.48% APY on money market accounts, according to rates verified by MonitorBankRates. Other Desjardins Bank CD rates include Certificate of Deposits 1 Year at 3.691%, Certificate JUMBO 2 Years at 3.042%, and Certificate of Deposits 2 Years at 2.788%. MonitorBankRates evaluates the financial stability of Desjardins Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates last updated and verified on 10/11/2026.

Desjardins Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Desjardins Bank? Share your experience about Desjardins Bank by leaving a review below, or read customer reviews before you decide to use Desjardins Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Desjardins Bank, National Association

1001 E Hallandale Beach Blvd
Hallandale, FL 33009

https://www.Desjardinsbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Desjardins Bank CD Rates

Product	Rate	APY	Term
Certificate JUMBO 1 Year	3.875%	3.945%	1 Year
Min Deposit $250,000 Min Balance $250,000 Details ($250,000.00 and over) A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate of Deposits 1 Year	3.625%	3.691%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.69% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate JUMBO 2 Years	3.00%	3.042%	2 Years
Min Deposit $250,000 Min Balance $250,000 Details ($250,000.00 and over) A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate of Deposits 2 Years	2.75%	2.788%	2 Years
Min Deposit $1,000 Min Balance $1,000 Details A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate of Deposits 3 Years	2.25%	2.275%	3 Years
Min Deposit $1,000 Min Balance $1,000 Details A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.28% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate of Deposits 4 Years	2.25%	2.275%	4 Years
Min Deposit $1,000 Min Balance $1,000 Details A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.28% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate of Deposits 5 Years	2.25%	2.275%	5 Years
Min Deposit $1,000 Min Balance $1,000 Details A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.28% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate JUMBO 3 Years	2.25%	2.273%	3 Years
Min Deposit $250,000 Min Balance $250,000 Details ($250,000.00 and over) A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate JUMBO 4 Years	2.25%	2.273%	4 Years
Min Deposit $250,000 Min Balance $250,000 Details ($250,000.00 and over) A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Certificate JUMBO 5 Years	2.25%	2.273%	5 Years
Min Deposit $250,000 Min Balance $250,000 Details ($250,000.00 and over) A penalty may be imposed for early withdrawals. All Annual Percentage Yield assumes interest remains on deposit until maturity and is based on a oneyear calculation. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%

Desjardins Bank Savings Rates

Product	Rate	APY	View More
Savings with Interests	3.65%	3.717%
Min Deposit $1,000 Min Balance $0 Details Balance: $1,000.00 and above Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.72% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%

Desjardins Bank Business Money Market Rates

Product	Rate	APY
Money Market Business	2.45%	2.48%
Min Deposit $1,000,000 Min Balance $1,000,000 Details Balance: $1,000,000.00 and above Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.48% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Money Market Business	2.25%	2.275%
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.28% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Money Market Business	2.00%	2.02%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%
Money Market Business	1.50%	1.511%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.22%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Desjardins Bank’s Texas Ratio stayed near 1.67% in Q3 2023 to 1.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$362M	1.22%	5.0	A+
March 31, 2026	$341M	0.18%	5.0	A+
December 31, 2025	$353M	2.90%	5.0	A+
September 30, 2025	$334M	0.05%	5.0	A+
June 30, 2025	$335M	0.19%	5.0	A+
March 31, 2025	$336M	0.14%	5.0	A+
December 31, 2024	$354M	0.14%	5.0	A+
September 30, 2024	$341M	0.73%	5.0	A+
June 30, 2024	$328M	0.16%	5.0	A+
March 31, 2024	$340M	0.51%	5.0	A+
December 31, 2023	$344M	0.54%	5.0	A+
September 30, 2023	$347M	1.67%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Desjardins Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Desjardins Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Desjardins Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Desjardins Bank

Bank Holding Company DESJARDINS GROUP THE

Address 1001 E Hallandale Beach Blvd, Hallandale, FL 33009 · Broward

Website https://www.Desjardinsbank.com

FDIC Certificate # 33565

Established 19920228

FDIC Insurance Date 19920228

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.22%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2468%

Return on Equity (ROE) 6.6100%

Non-Performing Loans (NPL) 0.23%

Total Assets $362,077,000

Total Deposits $292,898,000

Equity Capital $67,425,000

Net Income $2,194,000

Headquarters Hallandale

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Desjardins Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Desjardins Bank

How many branches does Desjardins Bank operate?

Desjardins Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Desjardins Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Desjardins Bank provides members with tools to manage their accounts and build a solid financial history.

Does Desjardins Bank offer online and mobile banking?

Most modern institutions like Desjardins Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.Desjardinsbank.com.