RRSP term deposit & GIC rates

Personal

Business

Why us

Join us

Flexible RRSPs.

RRSP Convertible Term Deposit (minimum balance $500)(Rates effective 2024-12-19)

Rates

12 month Convertible RRSP

2.50%

The Vancity RRSP Escalating Term Deposit – 3 Yr Investment (minimum balance $500)(Rates effective 2024-12-19)

Rates

Year 1

2.70%

Year 2

3.35%

Year 3

3.40%

The Vancity RRSP Escalating Term Deposit – 5 Yr Investment (minimum balance $500)(Rates effective 2024-12-19)

Rates

Year 1

2.50%

Year 2

2.75%

Year 3

3.25%

Year 4

3.50%

Year 5

3.70%

Non-Redeemable RRSPs.

RRSP Short Term Deposit rates (minimum balance $500)(Rates effective 2024-12-19)

Rates

Non-Redeemable, 90-179 Days

1.00%

Non-Redeemable, 180-269 Days

1.55%

Non-Redeemable, 270-364 Days

1.55%

RRSP Long Term Deposit rates (minimum balance $500)(Rates effective 2024-12-19)

Rates

Non-Redeemable, 12 to less than 18 months

3.40%

Non-Redeemable, 18 to less than 24 months

3.40%

Non-Redeemable, 24 to less than 30 months

3.40%

Non-Redeemable, 30 to less than 36 months

3.40%

Non-Redeemable, 36 to less than 48 months

3.25%

Non-Redeemable, 48 to less than 60 months

3.25%

Non-Redeemable, 60 Months

3.25%

RRSP Jumpstart™ High Interest Savings.

Rates as of 2024-11-26
Jumpstart™ High Interest Savings (All Balances)	0.90%
TFSA Jumpstart™ High Interest Savings Account (All Balances)	0.50%
FHSA Jumpstart High Interest Savings Account (All Balances)	3.00%

Rates as of 2024-11-26

Jumpstart™ High Interest Savings (All Balances)

0.90%

TFSA Jumpstart™ High Interest Savings Account (All Balances)

0.50%

FHSA Jumpstart High Interest Savings Account (All Balances)

3.00%

Rates as of 2024-12-19
RRSP Jumpstart™ High Interest Savings Account (All Balances)	0.50%
RRIF Jumpstart™ High Interest Savings Account (All Balances)	0.50%
RESP Jumpstart™ High Interest Savings Account (All Balances)	0.50%

Rates as of 2024-12-19

RRSP Jumpstart™ High Interest Savings Account (All Balances)

0.50%

RRIF Jumpstart™ High Interest Savings Account (All Balances)

0.50%

RESP Jumpstart™ High Interest Savings Account (All Balances)

0.50%

Let's get saving.

Members can open non-registered term deposits or add a term deposit to an existing TFSA, RRSP, FHSA, RRIF or RDSP in Account Services.

New to vancity or opening a new TFSA, RRSP, FHSA, RRIF or other registered account? Let's chat.

Book a call

RRSP term deposit & GIC rates.

Let's get saving.

Online

Talk to a pro