Vancity GIC rates compared
Vancity's best posted rate is 3.60% on a 5-year term. The best rate available in Canada for that term is 4.30%, from WealthONE Bank of Canada. Both are covered, Vancity by CUDIC.
Get Vancity GICsHow do Vancity's GIC rates compare to the best in Canada?
On a 5-year term Vancity posts 3.60% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | Vancity | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 3.00% | 3.70% | −0.70 pts | WealthONE Bank of Canada |
| 2-year | 3.10% | 3.95% | −0.85 pts | WealthONE Bank of Canada |
| 3-year | 3.55% | 4.05% | −0.50 pts | WealthONE Bank of Canada |
| 4-year | 3.45% | 4.10% | −0.65 pts | WealthONE Bank of Canada |
| 5-year | 3.60% | 4.30% | −0.70 pts | WealthONE Bank of Canada |
Is Vancity's GIC covered by CUDIC?
Yes, though not by CDIC. Vancity is a credit union regulated in British Columbia, so its deposits are guaranteed in full by the Credit Union Deposit Insurance Corporation of British Columbia, with no dollar limit and no per-category arithmetic to do.
Vancity calls the product a term deposit rather than a GIC across its own site, so the rates above are from its non-redeemable term deposit tables. The contract is the same one every other row on this site quotes: a fixed rate for a fixed term, with the principal returned at maturity.
British Columbia. All deposits guaranteed without limit.
Where do these Vancity rates come from?
Directly from Vancity's own posted rate page at vancity.com, read by hand on 2026-09-06. The page dates the rates themselves 2026-08-14.
All 7 terms Vancity posts were captured in that read, including the 7 that carry a separate interest-paid-monthly rate. No aggregator, no feed, no affiliate link.
Vancity's posted rates on vancity.comHow we collect and check ratesWho should buy a GIC from Vancity?
Anyone holding more than $100,000 in one place. CUDIC guarantees deposits here in full, where CDIC stops at $100,000 — and the rate gap to the leader is 0.50 points at 3-year.
Common questions about Vancity GICs
What is Vancity's minimum GIC deposit?
$500. Published minimums across the 23 institutions that state one run $100 to $1,000.
Does Vancity have the best GIC rate in Canada?
Not on a 5-year term. Vancity posts 3.60% there, against 4.30% from WealthONE Bank of Canada: a gap of 0.70 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does Vancity offer?
7 terms are posted on vancity.com, from 1 year to 5 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does Vancity pay GIC interest monthly?
Vancity posts a separate, lower rate for interest paid monthly on 7 of its terms: 3.500% at 5 year, against 3.600% compounded annually. Every figure on this page is the compounding rate, so a monthly-income GIC here pays less than the table shows.
Are these Vancity rates promotional?
No. These are Vancity's standard posted rates, which its own page dates 2026-08-14; we read them on 2026-09-06. Limited-time promotions are noted separately rather than used to move an institution up the ranking, because a promotional rate that expires before your term does is not a rate you can rely on.
How we collect and check ratesWhat would Vancity's 3-year rate pay on your deposit?
On $50,000 it pays $5,516 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
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Independent and unaffiliated. Rates are read from Vancity's own posted page at vancity.com and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.