Vancity GIC rates

Deposits issued by Vancouver City Savings Credit Union

Credit Union

Visit Vancity

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 Oct 9, 2026

Best rate

4.45%

today

Rates published

across 2 products

Terms

1 year – 5 years

Minimum deposit

$500

At a glance

Deposit protection

Unlimited

CUDIC (British Columbia) · insured under Vancouver City Savings Credit Union

How to buy

Online, Branch, Phone

Membership required

Where 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

Non-redeemable

3.00% – 3.70%

Terms 1 year – 5 years · min $500

Non-redeemable terms from 12 to 60 months, from a $500 minimum.

Vancity 3-Year Escalating Term Deposit

Step-up

3.10% – 4.45%

Terms 1 year – 3 years · min $500

A 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.

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Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Product

GIC type

Currency

Options

Unlimited coverage

Cashable early

Promos only

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Account type

Deposit

Best rate in this view

4.45%

Vancity 3-Year Escalating Term Deposit · 3 years

Rates published

Interest on $10,000

$1,335

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 0.15 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 · At maturity · min $500	3 years	4.45%	$11,395 +$1,395
Vancity Term Deposit Non-redeemable · Annual · min $500	5 years	3.70%	$11,850 +$1,850
Vancity Term Deposit Non-redeemable · Monthly · min $500	5 years	3.70%	$11,850 +$1,850
Vancity Term Deposit Non-redeemable · Annual · min $500	3 years	3.65%	$11,095 +$1,095
Vancity Term Deposit Non-redeemable · Semi-annual · min $500	5 years	3.65%	$11,825 +$1,825
Vancity Term Deposit Non-redeemable · Compound · min $500	5 years	3.65%	$11,963 +$1,963
Vancity Term Deposit Non-redeemable · Monthly · min $500	3 years	3.65%	$11,095 +$1,095
Vancity Term Deposit Non-redeemable · Annual · min $500	4 years	3.60%	$11,440 +$1,440
Vancity Term Deposit Non-redeemable · Semi-annual · min $500	3 years	3.60%	$11,080 +$1,080
Vancity Term Deposit Non-redeemable · Compound · min $500	3 years	3.60%	$11,119 +$1,119
Vancity Term Deposit Non-redeemable · Monthly · min $500	5 years	3.60%	$11,800 +$1,800
Vancity Term Deposit Non-redeemable · Monthly · min $500	4 years	3.60%	$11,440 +$1,440
Vancity Term Deposit Promo Non-redeemable · Annual · min $500	13 months	3.55%	$10,385 +$385
Vancity Term Deposit Non-redeemable · Semi-annual · min $500	4 years	3.55%	$11,420 +$1,420
Vancity Term Deposit Non-redeemable · Compound · min $500	4 years	3.55%	$11,497 +$1,497
Vancity Term Deposit Non-redeemable · Monthly · min $500	3 years	3.55%	$11,065 +$1,065
Vancity Term Deposit Promo Non-redeemable · Monthly · min $500	13 months	3.55%	$10,385 +$385
Vancity Term Deposit Non-redeemable · Annual · min $500	30 months	3.50%	$10,875 +$875
Vancity Term Deposit Promo Non-redeemable · Semi-annual · min $500	13 months	3.50%	$10,379 +$379
Vancity Term Deposit Promo Non-redeemable · Compound · min $500	13 months	3.50%	$10,380 +$380
Vancity Term Deposit Non-redeemable · Monthly · min $500	4 years	3.50%	$11,400 +$1,400
Vancity Term Deposit Non-redeemable · Monthly · min $500	30 months	3.50%	$10,875 +$875
Vancity Term Deposit Non-redeemable · Semi-annual · min $500	30 months	3.45%	$10,863 +$863
Vancity Term Deposit Non-redeemable · Compound · min $500	30 months	3.45%	$10,885 +$885
Vancity Term Deposit Promo Non-redeemable · Monthly · min $500	13 months	3.45%	$10,374 +$374