RRSP term deposit & GIC rates.
Types of term deposits
Flexible RRSPs.
| RRSP Convertible Term Deposit (minimum balance $500) | Rates as of 2026-02-27 |
|---|---|
| 12 month convertible RRSP | 1.75% |
| The Vancity RRSP 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 RRSP 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% |
Non-redeemable RRSPs.
| RRSP Short Term Deposit rates (minimum balance $500) | Rates as of 2026-02-27 |
|---|---|
| Non-Redeemable, 90 to 179 Days | 1.00% |
| Non-Redeemable, 180 to 269 Days | 1.55% |
| Non-Redeemable, 270 to 364 Days | 1.55% |
| RRSP 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% |
RRSP Jumpstart™ High Interest Savings.
| Account | Rates as of 2026-02-06 |
|---|---|
| Jumpstart™ High Interest Savings (all balances) | 0.60% |
| 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% |
Vancity Impact™ Term Deposit.
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% |
Open a term deposit online.
Members can open non-registered term deposits or add a term deposit to an existing TFSA, RRSP, FHSA, RRIF, or RDSP through digital banking.
Talk to a pro.
New to Vancity or opening a new TFSA, RRSP, FHSA, RRIF, or other registered account? Let’s chat.