About Vancity
Vancouver City Savings Credit Union (Vancity) is Canada's largest community credit union, founded in 1946 and headquartered in Vancouver, BC, with about $35.5 billion in assets (2023) and roughly 60 branches. It is member-owned and offers full personal and business banking, lending, and investment services with a stated focus on community impact and values-based banking.
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Access: Membership required · Open common bond
Eligible provinces: British Columbia
How to join: BC residents with a SIN can open a membership online in minutes with a $5 deposit for membership shares.
Notes: Must reside or work in BC; $5 share. Largest BC CU; branches across Lower Mainland, Fraser Valley, Victoria.; $5 share required, open membership
Deposit protection: Credit Union Deposit Insurance Corporation of British Columbia
100% unlimited deposit protection; administered by BCFSA
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.10% |
| 2-year GIC | 3.40% |
| 3-year GIC | 3.65% |
| 4-year GIC | 3.65% |
| 5-year GIC | 3.70% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 90 – 179 days | RRSPRRIF | N | — | At maturity | $500+ reg | 1.00% |
| 180–364 days | RRSPRRIF | N | — | At maturity | $500+ reg | 1.55% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.05%3.10%3.05% |
| 1 year | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.30% |
| 13 – 18 months | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.50%3.55%3.50% |
| 13 – 18 months | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.75% |
| 18 – 24 months | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.30%3.35%3.30% |
| 18 – 24 months | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.55% |
| 24 – 30 months | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.35%3.40%3.35% |
| 24 – 30 months | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.60% |
| 30 – 36 months | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.45%3.50%3.45% |
| 30 – 36 months | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.70% |
| 3 – 4 years | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.60%3.65%3.60% |
| 3 – 4 years | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.85% |
| 4 – 5 years | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.55%3.60%3.55% |
| 4 – 5 years | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.80% |
| 5 years | Non-reg | N | Semi-annually—— | At maturityAnnuallySemi-annually | $100+$500+$500+ | 3.65%3.70%3.65% |
| 5 years | RRSPRESPRDSPRRIFTFSAFHSA | N | — | At maturity | $500+ reg | 3.90% |
| Vancity Monthly Income Term DepositNon-redeemable · simple interest · paid monthly · $1k minimum | ||||||
| 1 year | Non-reg | N | — | Monthly | $1k+ | 3.00% |
| 13 – 18 months | Non-reg | N | — | Monthly | $1k+ | 3.45% |
| 18 – 24 months | Non-reg | N | — | Monthly | $1k+ | 3.25% |
| 24 – 30 months | Non-reg | N | — | Monthly | $1k+ | 3.30% |
| 30 – 36 months | Non-reg | N | — | Monthly | $1k+ | 3.40% |
| 3 – 4 years | Non-reg | N | — | Monthly | $1k+ | 3.55% |
| 4 – 5 years | Non-reg | N | — | Monthly | $1k+ | 3.50% |
| 5 years | Non-reg | N | — | Monthly | $1k+ | 3.60% |
| Vancity Monthly Plus Income Term DepositNon-redeemable · simple interest · paid monthly · $1k minimum | ||||||
| 1 year | Non-reg | N | — | Monthly | $1k+ | 3.10% |
| 13 – 18 months | Non-reg | N | — | Monthly | $1k+ | 3.55% |
| 18 – 24 months | Non-reg | N | — | Monthly | $1k+ | 3.35% |
| 24 – 30 months | Non-reg | N | — | Monthly | $1k+ | 3.40% |
| 30 – 36 months | Non-reg | N | — | Monthly | $1k+ | 3.50% |
| 3 – 4 years | Non-reg | N | — | Monthly | $1k+ | 3.65% |
| 4 – 5 years | Non-reg | N | — | Monthly | $1k+ | 3.60% |
| 5 years | Non-reg | N | — | Monthly | $1k+ | 3.70% |
| Cashable ( lock-out) term,Cashable · simple interest · paid at maturity · $500 minimum | ||||||
| 1 year | Non-reg | cashable | — | At maturity | $500+$500+ | 2.35%2.25% |
| RRIF convertibleConvertible · simple interest · paid at maturity · $500 minimum | ||||||
| 1 year | RRSPRRIF | Y | — | At maturity | $500+ reg$500+ reg | 1.75%1.75% |
| (30 Day Lock-out)Cashable · paid at maturity · $500 minimum | ||||||
| 1 year | RRSPTFSAFHSA | cashable | — | At maturity | $500+ reg | 2.35% |
| U.S. dollar — all terms | ||||||
| 30 – 59 days | Non-reg | Y | — | At maturity | $5k+ | 3.00% |
| 60 – 89 days | Non-reg | Y | — | At maturity | $5k+ | 3.10% |
| 90 – 119 days | Non-reg | Y | — | At maturity | $5k+ | 3.25% |
| 120 – 179 days | Non-reg | Y | — | At maturity | $5k+ | 3.35% |
| 180 – 269 days | Non-reg | Y | — | At maturity | $5k+ | 3.40% |
| 270 – 364 days | Non-reg | Y | — | At maturity | $5k+ | 3.75% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-15The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 3-year escalators | ||||||
| Escalating Term Deposit 3-Year3 years · min $500RRSPRESPRDSPRRIFTFSAFHSA | 3.30% | 3.40% | 4.85% | — | — | 3.85% |
| The Vancity 3-Year Escalating Term Deposit3 yearsNon-reg | 3.10% | 3.40% | 4.45% | — | — | 3.65% |
| 5-year escalators | ||||||
| Escalating Term Deposit 5-Year5 years · min $500RRSPRESPRDSPRRIF | 3.30% | 3.60% | 3.85% | 4.10% | 4.65% | 3.90% |
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Investment savings | — | — | $0 | 0.00% |
| Savings | Investment savings | — | — | $10,000 | 0.01% |
| Savings | Investment savings | — | — | $25,000 | 0.02% |
| Savings | Investment savings | — | — | $100,000 | 0.03% |
| Savings | Plan 24 Savings | — | — | — | 0.01% |
| Savings | Plan 24 Savings Plus | — | — | — | 0.01% |
| HISA | Jumpstart™ High Interest Savings | — | — | — | 0.60% |
| Chequing | |||||
| Chequing | Pay As You Go Chequing | — | — | $5,000 | 0.00% |
| Chequing | Pay As You Go Chequing | — | — | $25,000 | 0.00% |
| Chequing | Pay As You Go Chequing - Plan 24 Savings | — | — | — | 0.00% |
| Chequing | Pay As You Go Chequing Plus | — | — | $5,000 | 0.00% |
| Chequing | Pay As You Go Chequing Plus | — | — | $25,000 | 0.00% |
| Chequing | Pay As You Go Chequing Plus - Plan 24 Savings | — | — | — | 0.00% |
| USD | USD ChequingUS$ | — | — | $0 | 0.00% |
| USD | USD ChequingUS$ | — | — | $5,000 | 0.00% |
| USD | USD ChequingUS$ | — | — | $10,000 | 0.00% |
| USD | USD ChequingUS$ | — | — | $25,000 | 0.00% |
| USD | USD ChequingUS$ | — | — | $60,000 | 0.00% |
| USD | USD Chequing PlusUS$ | — | — | $0 | 0.00% |
| USD | USD Chequing PlusUS$ | — | — | $5,000 | 0.00% |
| USD | USD Chequing PlusUS$ | — | — | $10,000 | 0.00% |
| USD | USD Chequing PlusUS$ | — | — | $25,000 | 0.00% |
| USD | USD Chequing PlusUS$ | — | — | $60,000 | 0.00% |
| RRSP | |||||
| RRSP | RRSP Jumpstart™ High Interest Savings Account (all balances) | — | — | — | 0.70% |
| RESP | |||||
| RESP | RESP Jumpstart™ High Interest Savings Account (all balances) | — | — | — | 0.70% |
| RRIF | |||||
| RRIF | RRIF Jumpstart™ High Interest Savings Account (all balances) | — | — | — | 0.70% |
| TFSA | |||||
| TFSA | TFSA Jumpstart™ High Interest Savings Account (all balances) | — | — | — | 0.70% |
| FHSA | |||||
| FHSA | FHSA Jumpstart™ High Interest Savings Account (all balances) | — | — | — | 3.00% |
No rates match these filters.
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