Financial services designed for municipal employees
Our cooperative was born from a shared idea between a firefighter and a City of Montréal civil servant with the goal of securing better financial conditions for their colleagues. By pooling their assets and taking an active role in decision-making, they could enjoy tangible benefits and take control of their finances.
More than 79 years later, we are as committed as ever to the municipal and fire safety communities.
In 2024, our 18,954* members—all employed in the municipal sector—entrusted us with $2.66 BILLION* in business volume.
*Data as of December 31, 2024.
Photo: Mathieu Girard, General Manager
Benefit from our support
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Recognized expertise
Recognized expertise
By working closely with your associations and municipalities, we have developed an in-depth understanding of your working conditions, pension plans, and priorities. This allows us to provide personalized support aligned with your needs, help you make informed decisions, and save according to your goals.
Having a financial partner who supports you in your projects and at every stage of your life can help you achieve financial independence and reach your ambitions.
Your family members may also become members of our cooperative.
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Retirement planning
Retirement planning
We offer more than fifty retirement planning workshops each year! Do you have a financial plan that gives you a clear picture of your retirement income? Are you prepared for this major life milestone?
Our Wealth Management team will guide you step by step as you prepare and help demystify your sources of income. Our professionals will recommend savings and investment strategies to help you work toward your goals.
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Rental property financing team
Rental property financing team
Real estate investment is a priority for many of our members, so we built a team of dedicated advisors who know the market inside out and are always available. This makes them ideal partners for members buying their first property or growing a residential or commercial real estate portfolio.
Support for first-time buyers
- Refinancing strategies
- Development of residential and commercial real estate portfolios
- Collateral-backed acquisitions
- Setting up tax-sheltered savings strategies upon recommendation from a tax specialist
- Protection of your real estate assets and wealth
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Dedicated self-build project team
Dedicated self-build project team
Undertaking a self-build project is both exciting and demanding. To help you navigate the financing and disbursement process, we have advisors dedicated exclusively to this type of project. On a daily basis, they support our members with planning, cost management, and liquidity management to help avoid cost overruns.
Their expertise and know-how are invaluable assets in successfully completing your project.
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Group insurance
Group insurance
As a municipal employee and member of our caisse, you have access to exclusive rates and additional savings on your auto, home, and business insurance.
Take the time to compare your current insurance premium with the offers negotiated with La Personnelle. You might be pleasantly surprised! Year after year, La Personnelle ranks among the leaders in customer experience for auto and home insurance.
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Group retirement savings
Group retirement savings
In partnership with Desjardins Insurance, we help municipalities and associations establish workplace group retirement savings plans. Our goal is to help you develop healthy savings habits to achieve your retirement goals.
Invest togetherWhy choose this savings solution?
Because by saving together, you benefit from significant volume, which gives you access to competitive pricing.
Our retirement savings solutions are*:
Flexible
No minimum deposits and no transaction fees. You can transfer an existing pension fund or your personal RRSP, and choose the savings option that suits you: RRSP, TFSA, locked-in retirement account (LIRA), etc.
Family-friendly
Your spouse can participate and enjoy the same benefits.
Simple
You have access to a web platform and the Omni app to manage your investments independently or monitor them. You can also connect with specialists through the Participant Support Centre.
*The group retirement savings plan is offered by Desjardins Financial Security. Employees of the Caisse Desjardins du Réseau municipal can connect you with external partners.
The benefit that makes a real difference:
lower fees and more money in your pocket!When you join the municipal employees’ group retirement plan, you benefit from lower management fees than those available in individual plans.
Involved in our community
Our caisse is driven by a mission to foster the economic and social well-being of our community by bringing together municipal employees and fire safety professionals. It is through our strong support of the projects, events, and causes that matter most to municipal employees that we stay closely connected to you!
Have an idea or a project to share? We invite you to read our investment policy and to discuss it with us.
© 2016 Caisse Desjardins du Réseau Municipal