Rates are subject to change without notice. For more information about Vancity’s interest rates, please call our Member Services Centre at 604-877-7000 or toll-free at 1-888-826-2489.
All Canadian currency accounts are accessible by ATM, Online Banking, Phone Banking and in-branch.
Chequing Account Overdraft | 21.00% |
Personaline (max. $5,000) | 17.75% |
Creditline (over $5,000) | Vancity Prime¤ + Increment |
Vancity Fair & Fast Loan™ | 19% |
Small and Short Term Loans | Demand loans with a cost of borrowing of less than $45.00 at the time of loan set-up will be charged an interest rate of 17.90%. |
Fixed Rate | 13.20% + Increment |
Variable Rate | Vancity Prime¤ + Increment |
Creditline | Vancity Prime¤ + Increment |
RRSP and Term Loans | Vancity Prime¤ + 0.70% for the purchase of registered or non-registered term deposits of 1 year term or longer (max - 12 monthly payments). |
The Vancity Prime Rate represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate subject to change without notice.
Vancity Prime Rate (variable) | 5.95% |
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† The annual percentage rate (APR) is compounded monthly, not in advance, APR assumes no fees or charges apply. If additional fees and/or charges apply, the total Cost of Credit and APR would increase. This product, its features and advertised interest rates may change at any time and may be withdrawn by Vancity at any time for any reason without prior notice to the member.
¤ The Vancity Prime rate represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate and Prime rate for interest earned on select accounts. Rate subject to change without notice.