Vancity mortgage rates
Vancity's lowest 5-year fixed rate on its own website was 4.79% (insured) when we read it on Nov 1, 2026. Its lowest variable was 4.20%. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial. Vancity's prime rate is 4.70%.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 6-month | 5.49% | — | — | $3,049.05 | — |
| 1-year | 4.35% insured | — | — | $2,725.82 | — |
| 2-year | 4.55% insured | — | — | $2,781.28 | — |
| 3-year | 4.70% insured | — | — | $2,823.23 | — |
| 4-year | 4.74% insured | — | — | $2,834.47 | — |
| 5-year | 4.79% insured | — | — | $2,848.54 | — |
| 7-year | 4.97% | — | — | $2,899.49 | — |
| 10-year | 5.29% | — | — | $2,991.12 | — |
| Vancity 5-yr | 4.79%read Nov 1, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.34% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,723.07 → $2,848.54 |
| Interest difference over 5 years | $10,781 |
Open this example in the calculator →Computed Nov 2, 2026.
All Vancity rates we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | special | 5.49% APR 5.69% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| 1-year | Fixed | Insured | special | 4.35% APR 4.45% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| 1-year | Fixed | Not split | special | 4.55% APR 4.65% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| 2-year | Fixed | Insured | special | 4.55% APR 4.60% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| 2-year | Fixed | Not split | special | 4.65% APR 4.70% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| 3-year | Fixed | Insured | special | 4.70% APR 4.73% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| 3-year | Fixed | Uninsured | special | 4.75% APR 4.78% | Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less. | page as of Oct 29, 2026 |
| 3-year | Fixed | Not split | special | 4.80% APR 4.83% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. Footnote α: limited… | page as of Oct 29, 2026 |
| 4-year | Fixed | Insured | special | 4.74% APR 4.76% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| 4-year | Fixed | Uninsured | special | 4.79% APR 4.82% | Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less. | page as of Oct 29, 2026 |
| 4-year | Fixed | Not split | special | 4.84% APR 4.87% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. Footnote α: limited… | page as of Oct 29, 2026 |
| 5-year | Variable | Not split | special | 4.20% prime − 0.50 APR 4.22% | 'Homeprime rate††: 4.70 %' effective October 29, 2026. Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table… | page as of Oct 29, 2026 |
| 5-year | Fixed | Insured | special | 4.79% APR 4.81% | Rate as of 2026-10-29. kind null: not labelled posted/special. Footnote ¤: less than 20% down, purchase price under $1,500,000, amortization 30 years or less, owner occupied, de… | page as of Oct 29, 2026 |
| 5-year | Fixed | Uninsured | special | 4.84% APR 4.86% | Footnote **: 20% or greater down payment, owner-occupied purchase, price under $1,000,000, amortization 25 years or less. | page as of Oct 29, 2026 |
| 5-year | Fixed | Not split | special | 4.89% APR 4.91% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| 7-year | Fixed | Not split | special | 4.97% APR 4.98% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
| 10-year | Fixed | Not split | special | 5.29% APR 5.30% | Footnote ◊: new and renewing mortgages, LTV less than 75%, amortization 25 years or less, owner occupied. kind null: table is not labelled posted or special. The lender's page d… | page as of Oct 29, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find Vancity's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Vancity posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Credit union lending in . Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
Vancity's site says it is a BC Financial Services Authority authorized credit union covered by the Credit Union Deposit Insurance Corporation of British Columbia; the pages we read don't state where it lends, so it isn't shown on province-filtered boards.
MortgageRateToday.ca isn't affiliated with Vancity and isn't paid by any lender.
Frequently asked questions
What is Vancity's 5-year fixed mortgage rate?
On Nov 2, 2026, Vancity's own website showed 4.79% (insured) for a 5-year fixed. Rates change often; check the lender's page.
What is Vancity's variable mortgage rate?
The lowest closed variable rate on its page was 4.20% (prime − 0.50) for a 5-year term, with Vancity's prime at 4.70%.