Caisse Desjardins de l'Administration et des Services publics

What Caisse Desjardins de l'Administration et des Services publics does

Caisse Desjardins de l'Administration et des Services publics is a member-owned cooperative financial institution founded in 1939, headquartered in Quebec City, and operating exclusively for the benefit of Quebec public sector employees and retirees. The caisse is part of the Mouvement Desjardins cooperative network, affiliated with the Fédération des caisses Desjardins du Québec, and operates four service points across Quebec (Quebec City, Bouvier, Gatineau, and Montreal's Quartier International) supported by telephone advisory services available 6 AM–9 PM daily and the shared AccèsD 24/7 digital banking platform. Membership is gated to employees and retirees of the provincial and federal public service, the Société des alcools du Québec (SAQ), and Produits forestiers Résolu (Resolute Forest Products), with a board structure that reserves seats for the caisse's representative member groups.

The caisse delivers a comprehensive retail and small-business banking product suite, including checking and savings accounts, registered plans (TFSA, RRSP, CELIAPP, REER), term savings, personal loans and lines of credit, mortgages, credit cards, wealth management and investment products (distributed by licensed RIS advisors), and group/individual insurance through La Personnelle. Specialized advisory services cover retirement planning calibrated to public-sector pension regimes and collective agreements. The caisse differentiates through domain expertise in Quebec public-sector compensation structures and through exclusive group rates on insurance and scholarships funded in partnership with 23+ unions and associations including SPGQ, SFPQ, Alliance des cadres, APEX, and APEX. Underlying technology is largely shared with the broader Desjardins ecosystem — primarily the AccèsD platform — supplemented by online financial calculators, electronic signature workflows, and paperless operations.

The cooperative generates revenue through net interest spread on deposits and lending, advisory fees and product commissions on wealth management and insurance distribution, and ancillary transaction fees. Annual surpluses are redistributed partly as ristournes (member dividends) and partly reinvested through the Fonds d'aide au développement du milieu (FADM), voted on at the annual general meeting. The caisse employs approximately 68 staff and is led by General Manager Karine Arbour (appointed August 2024) under Board President Dinah Morency (appointed June 2024). Recent activity has centered on partnership expansion (new alliances signed 2021-2026), leadership renewal, and continued community investment, including a $300,000 commitment via the Fonds Grand Mouvement to the Fondation Sourdine in July 2025.

Name

Caisse Desjardins de l'Administration et des Services publics

Legal name

Caisse Desjardins de l'Administration et des Services publics

Website

https://caissedesjardinsadmin.ca

Company type

Private

Founded year

1939

Operating status

Operating

Headcount range

51–100 employees

Short description

Caisse Desjardins de l'Administration et des Services publics is a Quebec-based member-owned cooperative financial institution, founded in 1939, serving exclusively Quebec provincial and federal public sector employees, SAQ staff, Resolute Forest Products employees, and their retirees with retail banking, lending, wealth management, and insurance products through four service points and the shared Desjardins AccèsD platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Québec

HQ country

Canada

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Retail Banking — Deposits and Lending: Traditional cooperative banking services including savings accounts (CELI, CELIAPP, REER, non-registered), term savings, and credit products (personal loans, mortgages, lines of credit) offered exclusively to eligible public sector members and retirees.
2. Wealth Management and Investment Products: Advisory wealth management and investment products (funds, guaranteed investments) sold through licensed advisors (RIS — Responsable en investissement responsable) to members, generating advisory fees and product commissions within the Desjardins ecosystem.
3. Insurance Products: Group and individual insurance products (home, auto, life) offered through Desjardins's La Personnelle and partner channels, with exclusive group rates for public sector members.
4. Community Development Fund (FADM) — Surplus Distribution: As a cooperative, annual surplus earnings are partially returned to members as dividends (ristournes) and reinvested in community development through the FADM, voted on at the annual general meeting.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

The Caisse Desjardins de l'Administration et des Services publics is a member-owned financial cooperative that provides personal and business banking, savings, loans, mortgages, wealth management, and group insurance products exclusively to Quebec public sector employees and retirees. It operates through four physical service points and the AccèsD digital banking platform, complemented by personalized advisory services and a community development fund (FADM).

Product overview

Caisse Desjardins de l'Administration et des Services publics is a cooperative financial institution providing a comprehensive suite of banking and financial services exclusively to public service employees and retirees. The core offering includes personal and business accounts, loans, mortgages, credit products, savings and investment vehicles, and insurance. The product portfolio is unified under the Desjardins ecosystem, with AccèsD serving as the primary digital banking platform. Supplementary services include systematic financial planning, scholarship programs, and group-exclusive Signature Services. The institution differentiates through specialized knowledge of public sector employment conditions, collective agreements, and pension plans.

Differentiator

Problem solved

Functional benefit

Products and services

• Comptes et services (Personal and Business Accounts) Personal and business checking and savings accounts with transaction services, bill payment, and direct deposit capabilities, available to eligible public sector members and retirees.
• Prêts et marges de crédit (Loans and Credit) Personal loans, lines of credit, and credit card products tailored for public service employees.
• Épargne et placements (Savings and Investments) Savings accounts, registered accounts (TFSA, RRSP), GICs, and investment products including the AmpliMarché défensif guaranteed investment.
• Services hypothécaires (Mortgage Services) Mortgage financing, préautorisation hypothécaire (pre-approval), Espace proprio platform, and Reno Assistance renovation services.
• Assurance (Insurance) Home, auto, and life insurance products offered through La Personnelle, Desjardins' insurance subsidiary, with exclusive group rates for public sector members.
• Plan financier (Financial Planning) Systematic financial planning services offered to all members, including retirement preparation and target date calculations.
• Service Signature Caisse de groupes Exclusive wealth management and specialized advisory services for group caisse members.
• AccèsD Digital Banking Platform Online and mobile banking platform providing 24/7 access to accounts, transactions, and épargne à terme management.

Quantifiable outcome

• $20,000+ in scholarships awarded annually to members and their children
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

22 partnerships are on record, tiered minor, core and moderate.

• Chœur de la SAAQminorGTM or Marketing Partner · 1 January 2026Partnership since 2026. Financial support enables weekly and monthly rehearsals and free concerts for SAAQ employees. The choir, active for 25 years, promotes quality of work life and social integration among SAAQ staff.
• Association québécoise pour l'évaluation d'impacts (AQÉI)minorGTM or Marketing Partner · 1 January 2024Partnership since 2024. Supports the AQÉI's annual congress and is presenter of the 'Rayonnement et innovation' prize at the Recognition Gala.
• Fondation Jean-Charles BonenfantminorGTM or Marketing Partner · 1 January 2023Partnership since 2023. Established an exclusive scholarship program for undergraduate students supporting research and engagement in democracy and parliamentary institutions, in honor of Jean-Charles Bonenfant's contribution to knowledge of Quebec's parliamentary institutions.
• Centre de référence en agriculture et agroalimentaire du Québec (CRAAQ)minorGTM or Marketing Partner · 1 January 2022Partnership since 2022. Supported the 'Archives de la Côte-du-Sud et Histoires de Gourmands' project to document and preserve Quebec's agrifood and culinary heritage. CRAAQ connects 450 individual members and nearly 40 corporate organizations across Quebec's agricultural sector.
• Syndicat de la fonction publique et parapublique du Québec (SFPQ)coreGTM or Marketing Partner · 1 January 2021Partnership since 2021. Provides a $25,000 scholarship program for members and their children, sustainable development support, sponsorship of the National Youth Committee (CNJ), contributions to the Fondation des pompiers et des grands brûlés, and exclusive financial education presentations for new members. SFPQ represents approximately 40,000 members across Quebec's public and parapublic sectors.
• Association de professionnelles et professionnels salariés du Québec (APRQ)minorGTM or Marketing Partner · 1 January 2021Partnership since 2021. Provides financial education conferences and is a financial sponsor of the APRQ's 30th anniversary in 2023. Supports the 'À la rencontre des membres' events. APRQ represents 4,700 retired and pre-retired members from SPGQ across all regions of Quebec.
• Organisation québécoise des personnes atteintes de cancer (OQPAC)minorGTM or Marketing Partner · 1 January 2020Partnership since 2020. Financial support enables OQPAC to expand wellness sessions (sophrology, kinesiology, oncological yoga) and individual consultations for cancer patients and caregivers in the Capitale-Nationale region.
• Fondation des parlementaires québécois — Cultures à partagerminorGTM or Marketing Partner · 1 January 2019Partnership since 2019. Supports the international book recovery project in collaboration with the Minister of Environment. Contributions include financial support, a book drop-off space at headquarters in the Marie-Guyart building, and volunteer participation by the caisse's team.
• Syndicat de professionnelles et professionnels du gouvernement du Québec (SPGQ)coreGTM or Marketing Partner · 1 January 2018Partnership since 2018. Provides a dedicated hotline (1 833 692-0894), dedicated advisors, systematic financial plans, a $25,000 scholarship program, group RRSP/TFSA support, presence at regional tours and the quadrennial congress, and financial conferences for SPGQ members — the largest professional union in Quebec representing specialists across public service, health, education, and Crown corporations.
• SP Canada, Capitale-NationaleminorGTM or Marketing Partner · 1 January 2018Partnership since 2018. Provides financial support, participates in the annual SP Walk, partners on the 'Vent de fraîcheur' renovation project, and supports volunteer activities. SP Canada has been mobilizing since 1948 to fund multiple sclerosis research and support affected Canadians.
• Association professionnelle des cadres supérieurs de la fonction publique du Canada (APEX)moderateGTM or Marketing Partner · 1 January 2018Partnership since 2018. Gold partner of the APEX Leadership Summit and presenter of the excellence award (mention de service public). Provides free financial plans and retirement planning for new executive members. APEX represents over 7,400 federal executives.
• Force jeunesseminorGTM or Marketing Partner · 1 January 2018Partnership since 2018. Financial support funds the annual 'Rencontres Maîtres Chez Vous' and 'Rencontres Action Jeunesse' events. Force jeunesse advocates for youth rights and interests in Quebec's public policy in a non-partisan manner.
• Alliance des cadres de l'ÉtatcoreGTM or Marketing Partner · 1 January 2017Partnership since 2017. The caisse provides financial support enabling the Alliance to offer career management services to its 3,600 executive members. The caisse sponsors the annual conference and General Assembly and delivers tailored financial education sessions.
• Association des directeurs et directrices de succursale de la SAQ (ADDS/SAQ)minorGTM or Marketing Partner · 1 January 2017Partnership since 2017. The caisse provides conferences and training tailored to SAQ branch managers' needs, supports their annual activities and general assembly.
• École nationale d'administration publique (ÉNAP) et AEENAPmoderateGTM or Marketing Partner · 1 January 2015Partnership since 2015. The caisse is present at ENAP events including welcome receptions, to answer student financial questions, open accounts for new students, attend employability days, and participate in graduation ceremonies.
• Centre de la petite enfance CPE La CroiséeminorGTM or Marketing Partner · 1 January 2012Partnership since 2012 (formerly CPE La Grimace). Financial contributions have supported structural projects including radio transmitters, ergonomic benches, naturalization of the outdoor courtyard, and the annual summer party. The CPE was created in 2017 from merging four CPEs in the La Cité-Limoilou borough.
• Institut d'administration publique du Québec (IAPQ)moderateGTM or Marketing Partner · 1 January 2011Partnership since 2011. Gold partner and presenter of the 'Fonction publique' prize at the annual Prix d'excellence de l'administration publique gala, with a seat on the jury. Supports IAPQ's annual programming and special projects.
• Institut de la gestion financière Québec (IGF-Québec)minorGTM or Marketing Partner · 1 January 2011Partnership since 2011. The caisse attends IGF-Québec conferences, annual general meetings, and annual professional development events. IGF-Québec serves financial management professionals in provincial, federal, and municipal public administration.
• CPE Le Palais des bouts de chouxminorGTM or Marketing Partner · 1 January 2011Partnership since 2011. Contributions support the purchase of small buses, telephone service, outdoor shade structure, and a new vegetable garden. Located at the Palais de justice de Québec, it serves children of court employees.
• Forum des jeunes de la fonction publique québécoisecoreGTM or Marketing Partner · 1 January 2008Partnership since 2008. The caisse is present throughout the year supporting integration and development of young public sector employees aged 35 and under. It sponsors prestige conferences, annual symposium (Gold partner), recognition gala (juror and sponsor of the 'Collègue en or' award), and networking events. Provides financial education topics to members.
• Fondation de la faune du QuébecminorGTM or Marketing Partner · 1 January 2001Partnership since 2001. The caisse financially supports the 'Faune en danger' program to protect threatened species habitats. The caisse holds Gold partner status for the annual 'Cocktail faunique' fundraising event. The Foundation finances over 700 projects annually across Quebec.
• Chœur de la CollineminorGTM or Marketing Partner · 1 January 2000Partnership since the early 2000s. Supports the choral group composed of public sector employees in the Quebec City region, promoting the talent of its members and helping publicize its activities.

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Emerging players

• Wealthsimple: Canadian digital wealth management and fintech company. Competes for the same Quebec public sector employee demographic on investment and savings products, but with a digital-first, low-fee model rather than a relationship-based cooperative advisory approach.

Direct peers

• Caisse d'économie solidaire Desjardins: A Desjardins cooperative serving employees of solidarity economy organizations in Quebec. Closely comparable employee-based cooperative structure, membership restrictions, and reliance on Mouvement Desjardins shared services, with similar community development mission and FADM-style surplus redistribution.
• Caisse Desjardins du Réseau de la santé: Another specialized Desjardins caisse serving a defined employee cohort (health and social services network workers in Quebec). Operates the same cooperative model, leverages the same AccèsD platform, and competes with this Caisse for the broader public sector wallet in Quebec.
• Caisse Desjardins de Lévis: A Quebec Desjardins caisse operating in the greater Quebec City region with comparable scale and full-service retail banking offering. Provides a benchmark for how geographic (rather than employee-segment-focused) caisses compete for similar retail banking, lending, and wealth management customers in the same provincial market.

Broad incumbents

• Meridian Credit Union: One of Canada's largest credit unions, operating primarily in Ontario. Provides a comparable full-service retail banking, lending, and wealth management offering under a cooperative structure, though without the niche employee-segment specialization of this Caisse.
• Coast Capital Savings: Major British Columbia credit union offering personal and business banking, lending, and investment services through a cooperative governance model. Comparable in member-owned structure and community focus, but serves a broader open membership base rather than an employee-gated niche.
• UNI Coopération financière: Quebec's other major cooperative financial group, operating as UNI Coopération financière across multiple Quebec and Acadian regions. Directly comparable cooperative ethos and member-owned structure, broader geographic scope, and similar offering of personal banking, mortgages, and wealth services to retail and member-segment clients.
• Servus Credit Union: Alberta's largest credit union, offering full retail banking, wealth management, and insurance. Operates under a cooperative structure similar to Desjardins caisses but at materially larger scale and with a geographic (rather than employee-segment) membership base across Alberta.
• Vancity Credit Union: Canada's largest community credit union, based in British Columbia. Comparable member-owned cooperative structure and community-development focus, but operating at significantly larger scale across a different province with a broader membership base not restricted to a single employee segment.
• Alterna Savings: Ontario-based credit union offering full retail and commercial banking under a cooperative structure. Comparable in offering a member-owned alternative to major banks, but without the public-sector employee specialization that differentiates this Caisse.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CaisseAdministrationetdesServicespublics
• LinkedInlinkedin.com/company/caisse-de-l-administration-et-des-services-publics

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caisse Desjardins de l'Administration et des Services publics