Vancity · Savings
No monthly fee, 4.5% on a promotional rate.
Fees and rates verified 2026-08-19Published fee scheduleWe earn nothing from any institution hereHow we research
What it costs
- Monthly fee
- None
- Each transaction over the limit
- $5.00
What is included
- Interac e-Transfers
- Not included
- Fee per e-Transfer beyond that
- $0.90
Interest
- Posted rate
- 0.6%
- Promotional rate
- 4.5%
- What the rate depends on
- Posted rate 0.60% effective Feb 6, 2026. New-member promo: up to +3.90% bonus for 90 calendar days on new funds, max $1M; account must be opened within 30 days of a new personal membership opened after Jan 5, 2026; BC resident with SIN and $5 membership share. Promo rates: 4.50% non-registered, 4.60% TFSA/RRSP.
Who can open it
- Membership share
- $5 refundable, credit unions only
- Where you can open it
- Must be a resident of British Columbia
Deposit protection
- Insured by
- Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), deposits 100% protected
Where these figures come from
- Figures checked on
- August 19, 2026
- Source page
- www.vancity.com
- Fees and terms
- Published fee schedule
Notes
Unlimited free online/mobile transactions; in-person transactions and pre-authorized payments $5 each; cheques not available. No minimum balance. No promo end date is published for the current new-member offer.
Where the institution contradicts itself
Three Vancity pages disagree: the rates page (effective Feb 6, 2026) posts 0.60%; the product page advertises 'up to 4.60%'; a separate offer page still advertises 4.75% with a promo end date of December 31, 2025 (stale). The conservative posted rate 0.60% is recorded as interest_rate.
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Where this came from. Every figure on this page is taken from the institution’s own page or its published fee schedule, never from another comparison site, and a field is left blank rather than guessed at. Rates and fees change without notice, so confirm with the institution before opening anything. We receive no payment from any institution listed here.