Lenders
Vancity
Vancity is recorded in this encyclopedia as a credit union operating British Columbia, and it deals with borrowers directly.
| Type | credit union |
|---|---|
| Operates | British Columbia |
| Head office province | British Columbia |
| Website | https://www.vancity.com |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | direct |
Published rates held for this lender
25 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1-year fixed-term residential | 4.55% | Fixed-term, fixed-rate mortgages; APR 4.65% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 1-year fixed-term, fixed-rate, insured residential | 4.35% | High-ratio insured mortgages; APR 4.45% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 1-year open-term residential | 9.75% | Open-term, fixed-rate mortgages; APR 9.85% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 10-year fixed-term residential | 5.29% | Fixed-term, fixed-rate mortgages; APR 5.30% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 2-year fixed-term residential | 4.65% | Fixed-term, fixed-rate mortgages; APR 4.70% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 2-year fixed-term, fixed-rate, insured residential | 4.55% | High-ratio insured mortgages; APR 4.60% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 2-year open-term residential | 5.65% | Open-term, fixed-rate mortgages; APR 5.70% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year fixed-term residential | 4.80% | Fixed-term, fixed-rate mortgages; APR 4.83% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year fixed-term, fixed-rate (special offer) Promotional | 4.75% | Fixed-term, fixed-rate mortgages; APR 4.78% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year fixed-term, fixed-rate, insured residential | 4.70% | High-ratio insured mortgages; APR 4.73% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 3-year open-term residential | 5.38% | Open-term, fixed-rate mortgages; APR 5.41% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 4-year fixed-term residential | 4.84% | Fixed-term, fixed-rate mortgages; APR 4.87% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 4-year fixed-term, fixed-rate (special offer) Promotional | 4.79% | Fixed-term, fixed-rate mortgages; APR 4.82% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 4-year fixed-term, fixed-rate, insured residential | 4.74% | High-ratio insured mortgages; APR 4.76% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year fixed-term residential | 4.89% | Fixed-term, fixed-rate mortgages; APR 4.91% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year fixed-term, fixed-rate (special offer) Promotional | 4.84% | Fixed-term, fixed-rate mortgages; APR 4.86% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year fixed-term, fixed-rate, insured residential | 4.79% | High-ratio insured mortgages; APR 4.81% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year open-term residential | 5.89% | Open-term, fixed-rate mortgages; APR 5.91% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year variable rate, fixed-term (Vancity homeprime rate - 0.50%) | 4.20% | Variable rate mortgages; APR 4.22% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 5-year variable rate, open-term (Vancity homeprime rate + 3.30%) | 8.00% | Variable rate mortgages; APR 8.02% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 6-month fixed-term residential | 5.49% | Fixed-term, fixed-rate mortgages; APR 5.69% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 6-month open-term residential | 9.75% | Open-term, fixed-rate mortgages; APR 9.95% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | 7-year fixed-term residential | 4.97% | Fixed-term, fixed-rate mortgages; APR 4.98% (Total cost of borrowing, includes interest and fees); Rate used to calculate your mortgage payment amount | Canadian mortgage rates - Vancity | Rates as of 2026-10-29 |
| Mortgage | Vancity Prime Rate | 4.70% | Vancity prime rates; 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. | Interest rates - Vancity | as of 2026-10-29 |
| Mortgage | Vancity Variable Rate | 4.70% | Vancity prime rates; Rates are subject to change without notice. | Interest rates - Vancity | as of 2026-10-29 |
Products as recorded
- Fixed-rate mortgage | fixed term
- 5-year fixed-term fixed-rate insured residential
- Fixed-term fixed-rate (special offer)
The lender's own website.
Sources for this record
- https://www.vancity.com/borrow/mortgages/fixed-term-fixed-rate
- https://www.vancity.com/borrow/mortgages/5-year-fixed-term-fixed-rate-insured
- https://wowa.ca/credit-unions/vancity-credit-union
Encyclopedia captured 2026-11-14.