Loan and line of credit 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.
All Canadian currency accounts are accessible by ATM, digital banking, phone banking, and in-branch.
Line of credit rates.
| Rates (APR)† as of 2002-01-05 | |
|---|---|
| Chequing account overdraft | 21.00% |
| Personaline (max. $5,000) | 17.75% |
| Creditline (over $5,000) | Vancity Prime¤ + increment |
Vancity Fair and Fast Loan™.
| Rates (APR)† as of 2007-07-11 | |
|---|---|
| Vancity Fair & Fast Loan™ | 19% |
Other loans.
| Rate description | |
|---|---|
| Small- and short-term loans | Demand loans with a cost of borrowing of less than $45.00 at the time of loan setup will be charged an interest rate of 17.90%. |
| Fixed rate | 12.45% + increment |
| Variable rate | Vancity Prime¤ + increment |
| Creditline | Vancity Prime¤ + increment |
| RRSP and term loans | Vancity Prime¤ + 0.25% for the purchase of registered or non-registered term deposits of 1 year term or longer (max. 12 monthly payments). |
Vancity Prime.
The Vancity Prime Rate represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate subject to change without notice.
| Rate as of 2025-10-30 | |
|---|---|
| Vancity Prime Rate (variable) | 4.45% |