TFSA term deposit & GIC rates.
Types of term deposits
Escalating TFSAs.
| TFSA Escalating Term Deposit 3-Year (minimum balance $500) | Rates as of 2025-12-18 |
|---|---|
| Year 1 | 2.85% |
| Year 2 | 3.30% |
| Year 3 | 3.90% |
Cashable TFSAs.
| Cashable Term Deposit (minimum balance $500) | Rates as of 2025-12-18 |
|---|---|
| TFSA Cashable Term (30 day lock-out), 12 months | 2.15% |
Non-redeemable TFSAs.
| TFSA Non-Redeemable Term Deposits (minimum balance $500) | Rates as of 2026-04-07 |
|---|---|
| TFSA non-redeemable, 12 to less than 18 months | 3.00% |
| TFSA non-redeemable, 18 to less than 24 months | 3.05% |
| TFSA non-redeemable, 24 to less than 30 months | 3.15% |
| TFSA non-redeemable, 30 to less than 36 months | 3.20% |
| TFSA non-redeemable, 36 to less than 48 months | 3.25% |
| TFSA non-redeemable, 48 to less than 60 months | 3.35% |
| TFSA non-redeemable, 60 months | 3.40% |
Jumpstart™ High Interest Savings.
| Account | Rates as of 2026-02-06 |
|---|---|
| Jumpstart™ High Interest (all balances) | 0.60% |
| TFSA Jumpstart™ High Interest Savings (all balances) | 0.70% |
| FHSA Jumpstart High Interest Savings (all balances) | 3.00% |
| Account | Rates as of 2026-04-10 |
|---|---|
| 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 earn interest at maturity while knowing your money is helping finance local impact projects.
Thanks to strong member interest, this product has reached capacity and is currently closed to new deposits. Stay tuned, we’ll be sharing more impact-focused products in the future.
Previous release rates:
| 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.