Credit unions · Quebec
Quebec credit union deposit insurance
Deposits at provincially regulated Quebec credit unions are protected by the Autorité des marchés financiers: up to $100,000 per category, per person, per authorized deposit institution (principal plus interest) for non-registered deposits. Below: the insurer’s rules for registered deposits, how to complain, and the province’s credit unions.
Checked October 30, 2026The AMF’s site blocked our automated check, so these figures come from the AMF’s published page summaries. Confirm on lautorite.qc.ca before relying on them.
How much of my money is protected at a Quebec credit union?
Worked example — non-registered deposits at one Quebec credit union
| Deposit | Amount | Protected | Not protected |
|---|---|---|---|
| $50,000 in your own name at one Quebec credit union | $50,000 | $50,000 | $0 |
| $150,000 in your own name at one Quebec credit union | $150,000 | $100,000 | $50,000 |
| $300,000 in your own name at one Quebec credit union | $300,000 | $100,000 | $200,000 |
Above $100,000, the rest is unprotected at that credit union; joint, trust and registered deposits have their own limits (above). Splitting money across two credit unions doubles the protected amount.
| Quebec | |
|---|---|
| Insurer | Autorité des marchés financiers (AMF) — deposit insurance fund |
| Non-registered deposits | Up to $100,000 per category, per person, per authorized deposit institution (principal plus interest) |
| Registered deposits | $100,000 per registered-plan category |
| Complaints | Quebec caisses have their own complaint process overseen by the AMF; OBSI’s Quebec timelines apply to firms in its scope. |
Good to know
- Covers each Desjardins caisse in Quebec and the Fédération des caisses Desjardins du Québec, plus other Quebec-authorized deposit institutions.
- Foreign-currency deposits payable in Quebec are covered within the same $100,000 category limit.
- Protection is free and automatic.
Profiles in our directory
How QC compares with CDIC
Quebec’s limit ($100,000 for non-registered deposits) differs from CDIC’s $100,000 per category at each member. Check how joint, trust and registered deposits are treated in the table above.
Check whether your credit union is provincial or federal before relying on these limits — the directory shows each one.
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