Desjardins mortgage rates
Desjardins's lowest 5-year fixed rate on its own website was 4.99% (not split by down payment) when we read it on Nov 3, 2026. Its posted 5-year rate was 6.29%, 1.30 points higher. Its lowest variable was 4.35%. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial.
What are Desjardins's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | — | 5.79% | — | — | $3,136.89 |
| 2-year | — | 5.84% | — | — | $3,151.63 |
| 3-year | — | 6.14% | — | — | $3,240.76 |
| 4-year | 4.94% | 6.19% | 1.25 pts | $2,890.97 | $3,255.72 |
| 5-year | 4.99% | 6.29% | 1.30 pts | $2,905.18 | $3,285.72 |
| 7-year | — | 6.49% | — | — | $3,346.09 |
| 10-year | — | 6.99% | — | — | $3,498.99 |
What does Desjardins's 5-year rate cost on $500,000?
| Desjardins special | 4.99%read Nov 3, 2026 |
|---|---|
| Desjardins posted | 6.29% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,905.18 → $3,285.72 |
| Interest difference over 5 years | $31,361 |
Open this example in the calculator →Computed Nov 3, 2026.
Which Desjardins rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | posted | 5.79% | — | page |
| 2-year | Fixed | Not split | posted | 5.84% | — | page |
| 3-year | Fixed | Not split | posted | 6.14% | — | page |
| 4-year | Fixed | Not split | special | 4.94% | — | page |
| 4-year | Fixed | Not split | posted | 6.19% | — | page |
| 5-year | Variable | Not split | special | 4.35% | — | page |
| 5-year | Variable | Not split | posted | 4.70% | — | page |
| 5-year | Fixed | Not split | special | 4.99% | — | page |
| 5-year | Fixed | Not split | posted | 6.29% | — | page |
| 7-year | Fixed | Not split | posted | 6.49% | — | page |
| 10-year | Fixed | Not split | posted | 6.99% | — | page |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 3, 2026; check the lender's page before relying on any rate.
How does Desjardins charge to break a mortgage early?
Prepayment and penalties
We didn't find Desjardins's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Desjardins posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Credit union lending in QC.
MortgageRateToday.ca isn't affiliated with Desjardins and isn't paid by any lender.
Frequently asked questions
What is Desjardins's 5-year fixed mortgage rate?
On Nov 3, 2026, Desjardins's own website showed 4.99% (special/advertised) for a 5-year fixed and a posted 5-year fixed rate of 6.29%. Rates change often; check the lender's page.
What is Desjardins's variable mortgage rate?
The lowest closed variable rate on its page was 4.35% for a 5-year term.