RRIF term deposit & GIC rates.

Types of term deposits

Flexible RRIFs.

RRIF Convertible Term Deposit (minimum balance $500)	Rates as of 2026-02-27
12 month convertible RRIF	1.75%

The Vancity RRIF Escalating Term Deposit – 3 Yr Investment (minimum balance $500)	Rates as of 2026-02-27
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 as of 2026-02-27
Year 1	2.85%
Year 2	3.30%
Year 3	3.60%
Year 4	3.70%
Year 5	3.75%

RRIF Short-Term Deposit rates (minimum balance $500)	Rates as of 2026-02-27
Non-redeemable, 90 to 179 Days	1.00%
Non-redeemable, 180-269 Days	1.55%
Non-redeemable, 270 to 364 Days	1.55%

RRIF Long-Term Deposit rates (minimum balance $500)	Rates as of 2026-02-27
Non-redeemable, 12 to less than 18 months	2.95%
Non-redeemable, 18 to less than 24 months	3.00%
Non-redeemable, 24 to less than 30 months	3.10%
Non-redeemable, 30 to less than 36 months	3.15%
Non-redeemable, 36 to less than 48 months	3.25%
Non-redeemable, 48 to less than 60 months	3.35%
Non-redeemable, 60 Months	3.40%

Account	Rates as of 2026-02-27
Jumpstart™ High Interest Savings (all balances)	0.70%
TFSA Jumpstart™ High Interest Savings (all balances)	0.70%
FHSA Jumpstart High Interest Savings (all balances)	3.00%

	Rates as of 2026-02-27
RRSP Jumpstart™ High Interest Savings (all balances)	0.70%
RRIF Jumpstart™ High Interest Savings (all balances)	0.70%
RESP Jumpstart™ High Interest Savings (all balances)	0.70%

With the Vancity Impact™ Term Deposit, you’ll simply earn interest at maturity while knowing your money is helping finance local impact projects.

Vancity Impact™ Term Deposit (minimum balance $500)	Rates as of 2026-01-28
RRSP, TFSA, RRIF, non-redeemable	3.10%

Members can open non-registered term deposits or add a term deposit to an existing TFSA, RRSP, FHSA, RRIF, or RDSP through digital banking.

New to Vancity or opening a new TFSA, RRSP, FHSA, RRIF, or other registered account? Let’s chat.