Rates

Rates are subject to change without notice. For more information about Vancity's interest rates, please call Member Services Centre at 604-877-7000 or toll-free at 1-888-VANCITY.

Member Preferred Rate¹ (Rates effective 2015-04-15) Rates
90 Day Redeemable Non-registered Term Deposit** 1.75%
1 Year Cashable Term Deposit (30 day lock-out) 1.05%
1 Year Non-Redeemable Term Deposit 1.30%
5 Year Fixed Term Residential Mortgage 2.79%
5 Year Homeprime Fixed Term Mortgage 2.55%
High Interest Savings Accounts* (Rates effective 2015-04-24) Rates
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Jumpstart® High Interest Savings Account 0.85%
RRSP Jumpstart® High Interest Savings Account 0.85%
TFSA Jumpstart® High Interest Savings Account 1.75%
Business Jumpstart Account 0.85%
Term Deposits (Rates effective 2015-02-05) Rates
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The Vancity Escalating Term Deposit -Year 1 1.25%
The Vancity Escalating Term Deposit -Year 2 1.35%
The Vancity Escalating Term Deposit -Year 3 2.65%
Mortgages (Rates effective 2015-03-23) Rates
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1 Year Fixed Term Residential 3.14%
2 Year Fixed Term Residential 3.04%
3 Year Fixed Term Residential 3.39%
4 Year Fixed Term Residential 3.89%
5 Year Fixed Term Residential 4.74%
5 Year Homeprime Fixed Term 2.85%
7 Year Fixed Term Residential 5.30%
Prime Rate (Rates effective 2015-01-29) Rates
Vancity Prime Rate 2.85%
VISA (Rates effective 2006-06-01) Rates
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enviroExpenseGold VISA 19.50%
Foreign Exchange (Rates effective 2015-04-24) Buying Selling
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United States (Dollar) 1.240700 1.188900
United Kingdom (Pound) 1.882030 1.777420

* 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.

**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 from April 15, 2015 to May 16, 2015 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 $5,000 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). Funds withdrawn within the previous 30 days and re-deposited with Vancity, or transferred from an existing Vancity deposit account to another Vancity account are not considered new deposit funds. New deposit funds must be placed either in a 90-day redeemable non-registered term deposit or a 90-day non-redeemable RRSP or RRIF. Promotional rate will be applied to all funds (new and existing) that are placed within the promoted term deposit as long as the minimum new deposit fund criteria of $5,000 is met.

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. Interest rate is as of October 2, 2014 and may change without notice.

¹ Available for a limited time only. Rates subject to change without notice. Member Preferred Rates available to qualified members only. Please call for details.

 

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