Earn and grow with highest interest savings

High interest savings.

Earn 5.00%¹

No monthly fee or minimum balance
Defer your taxes in an RRSP or RRIF³
For new personal deposits only
Limited time rate, earn this rate until April 30, 2025. After that, the regular registered Jumpstart rate will apply.⁴
Already a member? If you already have a Jumpstart account, you'll need to book an appointment and open a new account to get this offer.

Term deposits.

Term deposits, aka GICs, are often used for short to medium term savings due to its low-risk nature. As part of a registered investment portfolio, you might use this for a portion that you might withdraw or reinvest elsewhere soon (ex. for a purchase, or if you're close to retirement).

More reasons why a GIC might work for you:

Earn up to 3.20% on 18-month non-redeemable term deposits. Terms and conditions apply.
Guaranteed rates and returns when you invest for the full term
Unlike investing in the stock market, your principal is guaranteed
Your deposits stay in the local economy

See term deposit rates

Get term deposit advice from a specialist

Get more as a member.

As a Vancity member, you'll also get great things like:

$0 monthly fee accounts.^¤
Start banking on your values with $0 monthly fee options on our accounts. View accounts
Member perks
Discounts from our members and community partners. Learn More
A community built by you
Your deposit will earn competitive returns for you while supporting people and businesses in our communities who are making a positive change.
A vote equal to everyone else's
One member, one vote. Our credit union is guided by the people who own it, our members.

Join Vancity

FAQs.

Are the funds locked in? Are there any fees?

No, funds are not locked in. And there are no monthly fees for the Jumpstart HISA account. Please see our Service Charge Bulletin for full details.

When are returns paid out?

Returns are paid out at the end of each month.

What account types are available for a registered Jumpstart HISA?

You can open a registered Jumpstart HISA as a TFSA, RRSP, or RRIF. Just know that you can only open one registered Jumpstart HISA for each account type.

How much can I contribute to my registered Jumpstart HISA?

You can contribute any amount up to your available TFSA, RRSP, or RRIF contribution room. Keep an eye out for annual contribution deadlines, too.

Can I transfer my registered savings from another financial institution?

Absolutely! The transferred registered savings will qualify as a new deposit eligible for the promotional interest rate.

Are there tax implications for transferring from a registered account to a registered Jumpstart HISA?

No. As long as you’re moving TFSA to TFSA, RRSP to RRSP, or RRIF to RRIF—there are no associated tax implications.

What deposits are eligible for this promotion?

To be eligible for this promotion, funds must be 'new' to Vancity, originating from sources other than an account or investment with Vancity, including accounts or investments with Vancouver City Savings Credit Union or accounts with Aviso Wealth or any of Vancity’s subsidiaries including Vancity Community Investment Bank and Vancity Investment Management Ltd.

What happens after Wednesday, April 30, 2025?

At the end of the promotional period, all balances will earn interest at the regular posted rate.

Legal

Jumpstart™ is a trademark of Vancouver City Savings Credit Union.

¹ Interest is calculated on closing daily balance in an Account and paid at month-end. The interest is an annual interest rate. Interest is earned in the currency of the account. Promotional interest rate will not be earned on pre-existing Vancity accounts. Terms and Conditions and transaction service limitations may apply. Refer to Terms and Conditions for details.

² Please refer to Terms and Conditions for eligible new deposit definitions. New deposits are funds that originate from sources other than accounts or investments with Vancouver City Savings Credit Union or accounts with Aviso Wealth. Vancity maintains the right to modify, shorten, extend, suspend or withdraw this promotional offer at any time without prior notice.

³ Members are responsible for their CRA contribution limits for registered plans and knowing what those limits are. Vancity is not responsible for any loss or damage from over contributions.

⁴ Promotional interest rate can be earned on new deposits until April 30, 2025. Starting May 1, the promotional registered Jumpstart High Interest Savings Account will be automatically converted into a registered Jumpstart High Interest Savings account and will revert to the current applicable registered Jumpstart rate.

TFSA, RRSP and RRIF promotional Jumpstart High Interest Savings account offer ends April 30, 2025. The promotional interest rate can be earned on new deposits until April 30. Starting May 1, the promotional registered Jumpstart High Interest Savings Account will be automatically converted into a standard registered Jumpstart High Interest Savings account and will revert to the current applicable registered Jumpstart rate.

^¤ You must retain a minimum of $6,000.00 in your Vancity Total Chequing Account at all times for the full calendar month.

^¤ You must retain a minimum of $3,000.00 in your Vancity Essential Plus Account at all times for the full calendar month.

Special offers to grow your savings

Jumpstart your savings by 5.00%^¹

Savings rate for existing members

High interest savings.

TFSA, RRSP, RRIF High Interest Savings Promotion²

Term deposits.

Get more as a member.

FAQs.

Special offers to grow your savings

Jumpstart your savings by 5.00%¹

Savings rate for existing members

High interest savings.

TFSA, RRSP, RRIF High Interest Savings Promotion²

Term deposits.

Get more as a member.

FAQs.

Jumpstart your savings by 5.00%^¹