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Vancity Interest Rates

Limited time term deposit rates.

18-month non-redeemable

4.55%

Don't stress out about the market. Get a guaranteed return instead. Existing members can log in and open online.

210-day short-term redeemable

4.00%

Enjoy easy access if you need it. Can be redeemed at any time. Redemption rates apply. Only eligible with new deposits.

1-year non-redeemable

4.50%

Save for next year's vacation, car, or shopping spree. Existing members can log in and open online.

Call us at 1-877-709-6925 to open one today

or

Book a term deposit appointment


Rates are subject to change without notice. For more information about Vancity’s interest rates, please call our Member Services Centre at 604.877.7000 or toll-free at 1.888.826.2489.

Jumpstart® High Interest Savings (Rates effective 2022-11-14) Rates
All Balances 1.50%
RRSP Jumpstart® High Interest Savings Account * (Rates effective 2022-11-18) Rates
All Balances 1.50%
TFSA Jumpstart® High Interest Savings Account * (Rates effective 2022-11-14) Rates
All Balances 1.50%
RRIF Jumpstart® High Interest Savings Account * (Rates effective 2022-11-18) Rates
All Balances 1.50%
Business Jumpstart Savings (Rates effective 2022-11-03) Rates
All Balances 1.75%
The Vancity 3–Year Escalating Term Deposit (Rates effective 2022-11-18) Rates
Year 1 4.25%
Year 2 4.40%
Year 3 5.00%
Mortgages (Rates effective 2022-12-01) Rates2
1 Year Fixed Term Residential 5.99%3
2 Year Fixed Term Residential 5.84%3
3 Year Fixed Term Residential 5.59%3
4 Year Fixed Term Residential 5.64%3
5 Year Fixed Term Residential 5.54%3
5 Year Fixed Term Insured Residential 5.34%4
5 Year Closed Term Fixed Rate Residential 4.94%5
5 Year Homeprime Fixed Term
(Vancity Homeprime Rate - 0.20%)7
5.75%3
7 Year Fixed Term Residential 5.94%3
10 Year Fixed Term Residential 6.80%3

See more rates

Prime Rate (Rates effective 2022-10-27)6 Rates
Vancity Prime Rate 5.95%
Vancity Homeprime Rate (Rates effective 2022-11-01)7 Rates
Vancity Homeprime Rate 5.95%

See more rates


Rate is subject to change or may be withdrawn without notice at any time. Terms and Conditions for each term deposit apply:

* Interest is calculated on the closing daily balance in an account and paid monthly.
Jumpstart® High Interest Savings Account, TFSA Jumpstart® High Interest Savings Account and RRSP Jumpstart® High Interest Savings Account are registered trademarks of Vancouver City Savings Credit Union.

Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia. Certain conditions apply to RRSP and RRIF products. Interest is calculated daily based on the listed annual rate, using a simple interest calculation, and paid at maturity.

1 Terms and conditions apply. Vancity reserves the right at any time without prior notice and in its sole discretion, to add, alter, or modify all or any of these terms and conditions or to replace this offer, wholly or in part, with any other offer, whether similar to this offer or not, or to withdraw this offer altogether. Offer is valid starting May 13, 2022 and discontinued at anytime at Vancity's discretion, and cannot be combined with any other offer. To be eligible for the offer, you must be an existing or new Vancity member, bring a minimum $500 of new deposit funds to Vancity during the offer period (new funds are considered to be funds that are not held within any current Vancity business or retail product or account, or Aviso Wealth account). Funds withdrawn within the previous 30 days and re-deposited with Vancity, or transferred from an existing Vancity deposit account or Aviso Wealth account to another Vancity account are not considered new deposit funds. New deposit funds must be placed in a non-registered 1-year Cashable (90-day lock-out) Term Deposit, funds can be redeemed at any time, but subject to a 90 day investment period before funds can be redeemed fully or partially (as long as a minimum deposit of $500.00 is maintained) with interest. If partially redeemed after the 90 day investment period, remaining funds will be reinvested into a new 1-year Cashable (90 day lock-out) Term Deposit with the current date and applicable interest rate at the time of term creation. The offer rate is an annual percentage rate. Interest is paid annually. Promotional rate will be applied to all funds that are placed within the promoted term deposit as long as the minimum new deposit fund criteria of $500 is met. Unless we hear from you, this term deposit will automatically renew into the same term deposit for the same length of time at the posted interest rate. The offer is available in branch or by calling our Member Service Centre at 604.877.7000 or toll-free at 1.888.826.2489.

2 The annual percentage rate (APR), compounded semi-annually, not in advance. The APR is for a mortgage of $100,000 with monthly payments and a 25 year amortization. APR assumes no fees apply. You may be required to pay additional fees which would increase your APR.

5-Year Homeprime Fixed Term Mortgage interest rate is compounded monthly, not in advance. Vancity's Homeprime mortgage offers you a variable interest rate based on Vancity's Homeprime rate over a 5-year fixed term. Rate changes when Vancity Homeprime changes. Rates subject to change without notice. Refer to the Vancity Homeprime Rate section for more information.

3 Some conditions apply. Available to Vancity members on new and renewing mortgages where the mortgage loan-to-value is less than 75% and the amortization is 25 years or less. Must be owner occupied. All applicants must meet the Vancity lending criteria. Rate is subject to change or may be withdrawn without notice at any time.

4 Some conditions apply. This rate is only available to members with less than 20% down payment, a residential property with a purchase price under $1,000,000, the amortization is 25 years or less, owner occupied, and who are eligible for and purchase mortgage default insurance. All applicants must meet the Vancity lending criteria. You may be required to pay additional fees which would increase your APR. Rate is subject to change or may be withdrawn without notice at any time.

5 Some conditions apply. Available to Vancity members on new and renewing mortgages where the amortization is 25 years or less, and residential property with a purchase price under $1,000,000. Must be owner occupied. All applicants must meet the Vancity lending criteria. Rate is subject to change or may be withdrawn without notice at any time.

6 The Vancity Prime Rate represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate subject to change without notice.

7 The interest rate for a Vancity Homeprime (variable rate) mortgage is tied to the Vancity Homeprime Rate. As mortgage interest rates fluctuate, they move in sync with the Vancity Homeprime Rate. This is why interest rates are written as Vancity Homeprime Rate "+" or "-" a certain interest rate amount to show how the interest rate is calculated based on the Vancity Homeprime Mortgage Rate.



Your deposits are 100% guaranteed
Vancity is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). To find out more about this coverage, visit the CUDIC website or ask us for more details.

 

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