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Vancity GIC rates
Deposits issued by Vancouver City Savings Credit UnionCredit Union
BC's largest credit union, where every deposit carries an unlimited provincial guarantee.
Rates verified nightly
· re-checked against Vancity's own site
· last check Aug 25, 2026
Best rate
4.20%
todayRates published
17
across 2 productsTerms
1 year – 5 years
Minimum deposit
$500
At a glance
Deposit protection
Unlimited
CUDIC (British Columbia) · insured under Vancouver City Savings Credit UnionHow to buy
Online, Branch, Phone
Membership requiredWhere it's available
British Columbia
Good to know
Deposits at BC credit unions are guaranteed in full, with no limit, by the Credit Union Deposit Insurance Corporation of British Columbia.
Membership is open to BC residents and requires a membership share.
GIC products from Vancity
Every GIC Vancity currently offers, with the rate range each one pays.
Vancity Term Deposit
2.95% – 3.60%
Terms 1 year – 5 years · min $500Non-redeemable terms from 12 to 60 months, from a $500 minimum.
Vancity 3-Year Escalating Term Deposit
2.90% – 4.20%
Terms 1 year – 3 years · min $500A three-year step-up reaching 4.20% in the final year.
Vancity rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 17 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
4.20%
Vancity 3-Year Escalating Term Deposit · 3 years
Rates published
17
Interest on $10,000
$1,260
over the 3 years term
How rates change with term length
Each line is one institution's best posted rate at that term — the 1 most competitive in this view.
Locking in for 5 years currently pays up to 0.60 points more than 1 year.
Vancity
Every published rate
Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.
| Product | Term | Rate | Value on $10,000 | |
|---|---|---|---|---|
Vancity 3-Year Escalating Term Deposit Step-up · Annual · min $500 | 3 years | 4.20% | $11,260 +$1,260 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 5 years | 3.60% | $11,800 +$1,800 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 3 years | 3.55% | $11,065 +$1,065 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 5 years | 3.55% | $11,775 +$1,775 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 3 years | 3.50% | $11,050 +$1,050 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 4 years | 3.45% | $11,380 +$1,380 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 4 years | 3.40% | $11,360 +$1,360 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 30 months | 3.35% | $10,838 +$838 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 30 months | 3.30% | $10,825 +$825 | |
Vancity 3-Year Escalating Term Deposit Step-up · Annual · min $500 | 2 years | 3.25% | $10,650 +$650 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 2 years | 3.10% | $10,620 +$620 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 18 months | 3.05% | $10,458 +$458 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 2 years | 3.05% | $10,610 +$610 | |
Vancity Term Deposit Non-redeemable · Annual · min $500 | 1 year | 3.00% | $10,300 +$300 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 18 months | 3.00% | $10,450 +$450 | |
Vancity Term Deposit Non-redeemable · Semi-annual · min $500 | 1 year | 2.95% | $10,295 +$295 | |
Vancity 3-Year Escalating Term Deposit Step-up · Annual · min $500 | 1 year | 2.90% | $10,290 +$290 |