The financial institution for Genium360 members
Did you know that as a Genium360 member, you’re eligible for financial services tailored to your personal and professional needs? Take advantage of our Exclusive offer and discover all the benefits available to you!
For only $125 a year, you’ll be eligible for a dual offer that includes
- Two accounts1 with unlimited transactions2 (online and in person): a primary, Canadian-dollar account and an additional account in either Canadian or US dollars (your choice)
- One of the following eligible credit cards3:
- Odyssey® World Elite® Mastercard®
- Cash Back World Elite® Mastercard®
- Odyssey® Gold Visa
- Odyssey® Visa Infinite Privilege: An additional $150 per year will apply to the annual fee for the Exclusive offer ($125), for an annual total of $275.
These cards4 include travel insurance5 for you and your family and a rewards program.
Another benefit: Low-rate lines of credit
- Personal line of credit at prime rate6
- Versatile Line of Credit7 at prime rate6
Are you a business owner?
Our team understands your industry and your business needs. They’ll be able to advise you on starting or growing your business and offer you certain products at favourable rates.
- Reduced interest rate: Get a reduced interest rate on a line of credit, as low as the prime rate + 0%.9
- Innovative payment solutions: Simplify your transactions with Global Payments’ secure, personalized solutions and get great rates:
- $300 off setup fees for a new Global Payments account**
- Up to $150 off per terminal when you buy 2 or more terminals
- Up to $75 off when you buy 2 or more types of products
- Free access to account management and analytics tools
Log in to your member account to benefit from these exclusive advantages!
Desjardins®, all trademarks containing the word Desjardins and their logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.
The Exclusive offer is available upon request and is subject to change without notice at any time. Your new benefits will apply upon your request. Certain conditions apply. To qualify for the Exclusive offer, you must be an engineer, forest engineer or be a Genium360 member.
All financing and credit card applications are subject to Desjardins credit approval. Conditions apply to all products and services. For more information, visit desjardins.com/professionals.
* Trademark of Visa International Service Association, used under licence.
** Global Payments and the Global Payments logo are trademarks of Global Payments Inc. and may not be copied, imitated or used, in whole or in part, without prior written consent.
Interac® and Interac e-Transfer® are registered trademarks of Interac Corp. Used under licence.
Odyssey® is a registered trademark of the Fédération des caisses Desjardins du Québec.
Mastercard® and World Elite® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
1. All accounts included in the $125/year transaction plan must be held at the same caisse.
2. For withdrawals at non-Desjardins Interac† and Plus*-affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. Some ATM operators also charge their own fees to use their machines. They must inform you of the fee via an on-screen message before the transaction is processed. You then have the option of cancelling the transaction. These fees are added to the amount of the withdrawal and are paid directly to the ATM operator. For more information about fees, check the Guide to service fees available at your caisse or online at desjardins.com/fees.
3. The eligibility criteria for the Odyssey World Elite Mastercard or Desjardins Cash Back World Elite Mastercard card are a minimum gross annual income of $80,000 for the principal cardholder or $150,000 for the household, or minimum assets under management of $400,000. The eligibility criteria for the Odyssey Visa Infinite Privilege Card are a minimum individual income of $150,000, minimum household income of $200,000 or minimum assets under management of $400,000.
4. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. For the Desjardins Cash Back World Elite Mastercard (annual fee: $100), Desjardins Odyssey World Elite Mastercard (annual fee: $130) or Desjardins Odyssey Gold Visa (annual fee: $110), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 20.9% and your average daily outstanding balance is $100, you’d be charged $1.72 in interest. If it’s $500, you’d be charged $8.59 in interest, and if it’s $1,000 you’d be charged $17.18 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you’d be charged $1.80 in interest. If it’s $500, you’d be charged $9.00 in interest, and if it’s $1,000 you’d be charged $18.00 in interest. For the Desjardins Odyssey Visa Infinite Privilege (annual fee: $295 for Desjardins members or $395 for non-members), here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you’d be charged $0.98 in interest. If it’s $500, you’d be charged $4.89 in interest, and if it’s $1,000 you’d be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you’d be charged $1.06 in interest. If it’s $500, you’d be charged $5.30 in interest, and if it’s $1,000 you’d be charged $10.60 in interest.
5. Insurance coverage applies to you, your spouse, and your dependent children and grandchildren. Your spouse and dependent children must accompany you throughout the trip to be covered by the travel insurance. If you’ll be taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is for information purposes only. Some conditions and restrictions apply. For more information, see the insurance policy.
6. The Fédération des caisses Desjardins du Québec (FCDQ) prime rate means the annual variable interest rate that the FCDQ sets from time to time, and from which it calculates the interest rate on loans granted in Canada in Canadian dollars.
7. For minimum financing of $100,000. This line of credit is secured by a first-rank immovable hypothec.
8. Certain conditions apply.
9. Subject to credit approval by the Fédération des caisses Desjardins du Québec.
