Non-redeemable term deposit rates

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.

If you’re already a Vancity member, take a look at our Member Preferred Rates1 and contact us to find out how to qualify for these rates.

Annual / Annual Compound Interest Term Deposit
(minimum balance $500)
Posted Rate
(2017-09-12)
Member Preferred Rate
(2017-09-13)
Non-Redeemable, 12 to less than 18 months 1.05% 1.20%
Non-Redeemable, 18 to less than 24 months 1.10%
Non-Redeemable, 24 to less than 30 months 1.25%
Non-Redeemable, 30 to less than 36 months 1.25%
Non-Redeemable, 36 to less than 48 months 1.35%
Non-Redeemable, 48 to less than 60 months 1.50%
Non-Redeemable, 60 months 1.70%

Semi-Annual Interest Term Deposit (minimum balance $500)
(Rates effective 2017-09-12)
Rates
Semi Annual Term, 12 to less than 18 months 1.00%
Semi Annual Term, 18 to less than 24 months 1.05%
Semi Annual Term, 24 to less than 30 months 1.20%
Semi Annual Term, 30 to less than 36 months 1.20%
Semi Annual Term, 36 to less than 48 months 1.30%
Semi Annual Term, 48 to less than 60 months 1.45%
Semi Annual Term, 60 months 1.65%
Semi-Annual Compound Interest Term Deposit (minimum balance $100)
(Rates effective 2017-09-12)
Rates
Non-Redeemable, 12 to less than 18 months 1.00%
Non-Redeemable, 18 to less than 24 months 1.05%
Non-Redeemable, 24 to less than 30 months 1.20%
Non-Redeemable, 30 to less than 36 months 1.20%
Non-Redeemable, 36 to less than 48 months 1.30%
Non-Redeemable, 48 to less than 60 months 1.45%
Non-Redeemable, 60 Months 1.65%
Monthly Income Term Deposit (minimum balance $1,000)
(Rates effective 2017-09-12)
Rates
Non-Redeemable, 12 to less than 18 months 0.95%
Non-Redeemable, 18 to less than 24 months 1.00%
Non-Redeemable, 24 to less than 30 months 1.15%
Non-Redeemable, 30 to less than 36 months 1.15%
Non-Redeemable, 36 to less than 48 months 1.25%
Non-Redeemable, 48 to less than 60 months 1.40%
Non-Redeemable, 60 Months 1.60%
Monthly Plus Income Term Deposit (minimum balance $1,000)
(Rates effective 2017-09-12)
Rates
Non-Redeemable, 12 to less than 18 months 1.05%
Non-Redeemable, 18 to less than 24 months 1.10%
Non-Redeemable, 24 to less than 30 months 1.25%
Non-Redeemable, 30 to less than 36 months 1.25%
Non-Redeemable, 36 to less than 48 months 1.35%
Non-Redeemable, 48 to less than 60 months 1.50%
Non-Redeemable, 60 Months 1.70%
Shared World Fixed Term Deposit (minimum balance $100)
(Rates effective 2017-09-12)
Shared World Fixed Term, 12 months 1.05%
Index-linked Term Deposit sale period: Monday September 25 to Saturday November 25, 2017 * Minimum Guaranteed Cumulative Return at maturity ** Maximum Cumulative Return at maturity **
Market Sure 3-year 1.50%
(0.50% compounded annually)
12.00%
(3.85% compounded annually)
Market Sure 5-year 4.00%
(0.79% compounded annually)
22.00%
(4.06% compounded annually)
Market Stretch 5-year 0.00% 30.00%
(5.39% compounded annually)

1 Some conditions apply. Rates and offer may be changed or withdrawn at any time without notice. These are discounted rates and are not available in combination with any other rate discounts, promotions or offers. Member Preferred Rates available to qualified members only. Please call for details.

* The returns in the table above are only in effect for the noted presale period

** The principal amount of a Market Sure and Market Stretch Index-linked Term Deposit is guaranteed and is repayable upon maturity, but there is no guarantee of earning any return linked to the performance of the underlying securities. The rate of return for the term payable, if any, will be the return on the portfolio of investments, which are the basis for calculating the return on the on the Index-linked term deposits subject to the following: the rate of return for the term will not be less than zero or more than the maximum rate of return. The rate of return for the term: (i) is compounded; (ii) as set out based on the maximum rate of return for the term is subject to change between Issues; and (iii) is not an annual rate but is the rate of return over the entire term of the Index-linked Term Deposits.