Rates
Our account rates.
Interest is calculated on the closing daily balance in an account and paid monthly. The interest is an annual interest rate. Interest is earned in the currency of the account.
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.
| Accounts | Rates as of 2026‑02‑06 |
|---|---|
| Jumpstart™ High Interest Savings (all balances) | 0.60% |
| TFSA Jumpstart™ High Interest Savings Account (all balances) | 0.70% |
| FHSA Jumpstart™ High Interest Savings Account (all balances) | 3.00% |
| Accounts | Rates as of 2026‑10‑26 |
|---|---|
| RRSP Jumpstart™ High Interest Savings Account (all balances) | 0.70% |
| RRIF Jumpstart™ High Interest Savings Account (all balances) | 0.70% |
| RESP Jumpstart™ High Interest Savings Account (all balances) | 0.70% |
Tiered savings account.
The more you deposit, the more you earn. Plus earn a higher rate with registered accounts and the bonus rate when you complete three eligible transactions.
Total deposit tier level | Base + bonus rate | Base rate | Bonus rate |
$0 - $24,999.99 | 1.50% | 0.50% | 1.00% |
$25,000 - $99,999.99 | 1.80% | 0.80% | 1.00% |
$100,000 - $249,999.99 | 1.90% | 0.90% | 1.00% |
$250,000 - $499,999.99 | 2.15% | 1.15% | 1.00% |
$500,000 - $999,999.99 | 2.35% | 1.35% | 1.00% |
$1,000,000 - $1,999,999.99 | 2.45% | 1.45% | 1.00% |
$2,000,000 - $4,999,999.99 | 2.55% | 1.55% | 1.00% |
| $5,000,000 + | 2.75% | 1.75% | 1.00% |
Your deposits in this account are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
Pay As You Go Chequing.
Earn interest on the entire balance once the minimum for each tier is reached.
Pay as You Go | Rates as of 2026‑02‑06 |
|---|---|
All balances | 0.00% |
USD Chequing.
Earn interest on the entire balance once the minimum for each tier is reached.
| USD Chequing | Rates as of 2026‑02‑06 |
|---|---|
| All balances | 0.00% |
USD Chequing Plus.
Earn interest on the entire balance once the minimum for each tier is reached.
| USD Chequing Plus | Rates as of 2026‑02‑06 |
|---|---|
| All balances | 0.00% |
Was this helpful?
Thank you for your feedback. Tell us more.