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Vancity Mortgage Rates

Compare current Vancity mortgage rates in Canada

Values-based banking for a sustainable future.

Best Vancity Rates

Lowest rates by product type

5-Year Fixed

Insured

No rate available

5-Year Fixed

Uninsured
4.44%

Uninsured

View Rate

5-Year Variable

Insured

No rate available

5-Year Variable

Uninsured
3.80%

Uninsured

View Rate

Rate Overview

Best rate for each term and product type

TermFixed InsuredFixed UninsuredVariable InsuredVariable Uninsured
1 year
5.64%Apply
2 years
5.34%Apply
3 years
4.79%Apply
5 years
4.44%Apply
3.80%Apply
7 years
4.79%Apply
10 years
4.84%Apply

Fixed Rate Mortgages

Lock in your rate for the term of your mortgage

1 year

1 option
Best Rate
Uninsured
5.64%

2 years

1 option
Best Rate
Uninsured
5.34%

3 years

1 option
Best Rate
Uninsured
4.79%

5 years

1 option
Best Rate
Uninsured
4.44%

7 years

1 option
Best Rate
Uninsured
4.79%

10 years

1 option
Best Rate
Uninsured
4.84%

Variable Rate Mortgages

Rates change with the prime rate

5 years

1 option
Best Rate
Uninsured
3.80%
V

About Vancity

Vancity is Canada's largest community credit union, serving the Vancouver area and beyond with values-based banking and competitive mortgage products. Vancity offers fixed-rate, variable-rate, and home equity mortgages, along with unique programs like the Mixer Mortgage that combines fixed and variable portions. As a certified B Corporation, Vancity invests 30% of net profits back into community programs and environmental initiatives. Their mortgage advisors provide personalized guidance with a focus on financial well-being, not just transactions. For British Columbia homeowners who want their mortgage to align with their values, Vancity is an exceptional choice.

Mortgage Specialties

Credit union mortgagesFixed-rate mortgagesVariable-rate mortgagesMixer Mortgage (fixed/variable blend)Values-based lending

Unique Features

  • Certified B Corporation
  • 30% profits to community
  • Mixer Mortgage: blended fixed/variable
  • Largest community credit union in Canada
  • Sustainable and ethical banking

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