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RRIF term deposit & GIC rates.
Flexible RRIFs.
| RRIF Convertible Term Deposit (minimum balance $500)(Rates effective 2025-10-03) | Rates |
| 12 Month RRIF Convertible | 1.75% |
| The Vancity RRIF Escalating Term Deposit - 3 Yr Investment (minimum balance $500)(Rates effective 2025-10-03) | Rates |
| Year 1 | 2.85% |
| Year 2 | 3.30% |
| Year 3 | 3.60% |
| The Vancity RRIF Escalating Term Deposit - 5 Yr Investment (minimum balance $500)(Rates effective 2025-10-03) | Rates |
| Year 1 | 2.85% |
| Year 2 | 3.30% |
| Year 3 | 3.60% |
| Year 4 | 3.70% |
| Year 5 | 3.75% |
RRIF Term Deposits.
| RRIF Short Term Deposit rates (minimum balance $500)(Rates effective 2025-10-03) | Rates |
| Non-Redeemable, 90-179 Days | 1.00% |
| Non-Redeemable, 180-269 Days | 1.55% |
| Non-Redeemable, 270-364 Days | 1.55% |
| RRIF Long Term Deposit rates (minimum balance $500)(Rates effective 2025-10-03) | Rates |
| Non-Redeemable, 12 to less than 18 Months | 3.15% |
| Non-Redeemable, 18 to less than 24 Months | 3.15% |
| Non-Redeemable, 24 to less than 30 Months | 3.15% |
| Non-Redeemable, 30 to less than 36 Months | 3.20% |
| Non-Redeemable, 36 to less than 48 Months | 3.20% |
| Non-Redeemable, 48 to less than 60 Months | 3.35% |
| Non-Redeemable, 60 Months | 3.45% |
| Jumpstart™ High Interest Savings (All Balances) | 0.70% |
| TFSA Jumpstart™ High Interest Savings Account (All Balances) | 0.45% |
| FHSA Jumpstart High Interest Savings Account (All Balances) | 3.00% |
| RRSP Jumpstart™ High Interest Savings Account (All Balances) | 0.45% |
| RRIF Jumpstart™ High Interest Savings Account (All Balances) | 0.45% |
| RESP Jumpstart™ High Interest Savings Account (All Balances) | 0.45% |
Let's get saving.
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Members can open non-registered term deposits or add a term deposit to an existing TFSA, RRSP, FHSA, RRIF or RDSP in Account Services.
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