Rates

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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 2020-09-28) Rates
All Balances 0.05%
RRSP Jumpstart® High Interest Savings Account * (Rates effective 2020-11-04) Rates
All Balances 0.05%
TFSA Jumpstart® High Interest Savings Account * (Rates effective 2020-09-28) Rates
All Balances 0.05%
RRIF Jumpstart® High Interest Savings Account * (Rates effective 2020-11-04) Rates
All Balances 0.05%
Business Jumpstart Savings (Rates effective 2020-09-28) Rates
All Balances 0.05%
The Vancity 3–Year Escalating Term Deposit (Rates effective 2020-11-04) Rates
Year 1 0.60%
Year 2 0.70%
Year 3 1.10%
Mortgages (Rates effective 2020-11-04) Rates1
1 Year Fixed Term Residential 2.59%2
2 Year Fixed Term Residential 2.19%2
3 Year Fixed Term Residential 2.14%2
4 Year Fixed Term Residential 2.19%2
5 Year Fixed Term Residential 1.79%2
5 Year Fixed Term Insured Residential 1.69%3
5 Year Closed Term Fixed Rate Residential 1.79%4
5 Year Homeprime Fixed Term 1.95%2
7 Year Fixed Term Residential 2.74%2
10 Year Fixed Term Residential 3.14%2

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Prime Rate (Rates effective 2020-03-30) Rates
Vancity Prime Rate 2.45%
Foreign Exchange (Rates effective 2020-12-04) Member Buys Member Sells
United States (Dollar) 1.306100 1.256100
United Kingdom (Pound) 1.793110 1.667900

* 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 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 low variable interest rate based on Vancity's Homeprime rate over a 5-year fixed term. The Homeprime represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate changes when Vancity Homeprime changes. Rates subject to change without notice.

2 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.

3 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.

4 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.

 

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