Vancity Mortgage Rates
Compare current Vancity mortgage rates in British Columbia versus the banks. Live fixed, variable, and Mixer Mortgage context are in the table on this page.
Values-based banking for a sustainable future.
By Andrew · Sources: the lender’s public rate pages, collected into the table on this page. Confirm the contract rate, fees, and eligibility with the lender before you apply.
Today's Vancity rates
Updated October 14, 2026. Lowest scraped quote for each term. A dash means that product is not in this scrape. The gap is the posted rate minus the discounted rate on the same row, and only when the scrape includes a posted rate. HELOC pricing is not in this mortgage scrape, so no HELOC rate is shown.
| Product | Insured | Uninsured | Posted | Posted vs discounted |
|---|---|---|---|---|
| 1-year fixed | 4.35% | 4.55% | — | — |
| 3-year fixed | 4.70% | 4.75% | — | — |
| 5-year fixed | 4.79% | 4.84% | — | — |
| 5-year variable | — | 3.95% | — | — |
Best Vancity Rates
Lowest rates by product type
Rate Overview
Best rate for each term and product type
| Term | Fixed Insured | Fixed Uninsured | Variable Insured | Variable Uninsured |
|---|---|---|---|---|
| 6 months | — | 5.49% | — | — |
| 1 year | 4.35% | 4.55% | — | — |
| 2 years | 4.55% | 4.65% | — | — |
| 3 years | 4.70% | 4.75% | — | — |
| 4 years | 4.74% | 4.79% | — | — |
| 5 years | 4.79% | 4.84% | — | 3.95% |
| 7 years | — | 4.97% | — | — |
| 10 years | — | 5.29% | — | — |
Fixed Rate Mortgages
Lock in your rate for the term of your mortgage
6 months
1 option1 year
2 options2 years
2 options3 years
2 options4 years
2 options5 years
2 options7 years
1 option10 years
1 optionVariable Rate Mortgages
Rates change with the prime rate
5 years
1 optionMortgage Negotiation Guide
Negotiating your rate could save thousands, depending on your mortgage.
Learn MoreAbout Vancity
Vancity is Canada's largest community credit union, focused on Metro Vancouver, Victoria, and the rest of its B.C. membership. It is not a Big 5 bank. Members get closed fixed-rate and variable-rate mortgages, home-equity products, and the Mixer Mortgage, which splits the loan between a fixed portion and a variable portion. Vancity is a certified B Corporation and directs a stated share of net profits (commonly described as 30%) into community programs. You generally need to be a member to hold the mortgage.
Use the live cards and matrix on this page as the source for Vancity mortgage rates. We do not invent a 5-year number in this article. Compare the same term and insured vs uninsured label with the 5-year fixed hub and with national banks, then see Vancouver mortgage rates for local context. High-ratio deals still face insurer qualifying-rate rules; check the stress test calculator before you rely on a pre-approval.
Mortgage Specialties
Unique Features
- Certified B Corporation
- 30% profits to community
- Mixer Mortgage: blended fixed/variable
- Largest community credit union in Canada
- Sustainable and ethical banking
Who Vancity mortgages are for
Vancity fits B.C. residents—especially in Vancouver and nearby communities—who want a member-owned lender, values-based banking, and products such as Mixer that a typical Big 5 desk will not copy. It is a weaker fit if you are buying outside Vancity's service area, need a national bank relationship, or only want the lowest advertised 5-year from a brokered monoline.
If rate is the only variable, still compare this page with Coast Capital, Wealthsimple (where B.C. coverage exists), and the national variable hub. Credit-union membership and B.C. property are the usual starting points.
Mortgage products
Closed fixed-rate mortgages
B.C. purchases, transfers, and refinances with a payment that stays the same for the term. Compare Vancity's 5-year fixed insured and uninsured cells above with the 5-year fixed hub.
Closed variable-rate mortgages
Prime-linked variables. Qualification on insured deals still uses a stress-test rate. Confirm whether the payment or the principal/interest mix changes when prime moves.
Mixer Mortgage
Vancity's blend: part of the mortgage is fixed and part is variable, so you are not all-in on one rate type. Ask how the split is set, how penalties work on each portion, and how the blended payment is calculated.
Home equity products
Home-equity lending against B.C. property, subject to Vancity's LTV and income rules. Useful for renovations or bridging; compare a full refinance if you are restructuring the entire loan.
How Vancity rates typically compare
Vancity prices for the B.C. credit-union market. It is not automatically cheaper or more expensive than a Big 5 special in Vancouver. Some weeks a bank or monoline undercuts Vancity on a vanilla 5-year; some files (relationship, Mixer structure, uninsured conventional) look better in-house. Compare the live matrix on this page with the 5-year fixed and variable tables, matching insured vs uninsured.
We do not publish a made-up Vancity average. If a cell in the table is a dash, we do not have that product in the current scrape.
Tips for shopping a Vancity mortgage
- Plan to become a Vancity member if you are not one already. Membership is how credit unions lend.
- If Mixer Mortgage is the draw, get the fixed/variable split, penalty rules, and blended payment in writing before you compare it with a simple closed 5-year.
- Match insured vs uninsured and term to this page's table, then compare Vancouver and national hubs.
- On high-ratio deals, expect insurer qualifying-rate rules even at a credit union.
- Ask whether posted or special pricing applies, and whether any community or green-mortgage conditions are attached to the rate.
Frequently Asked Questions
What are Van City mortgage rates?
Van City mortgage rates are the same thing as Vancity mortgage rates: the credit union's fixed and variable quotes in today's table. Vancity serves British Columbia members. We do not keep a separate rate under the spaced spelling.
What are Vancity mortgage rates today?
Today's Vancity mortgage rates are the insured and uninsured rows at the top of this page. A blank cell means that term was not in the latest scrape.
What are Vancity fixed mortgage rates?
Vancity fixed mortgage rates are the fixed rows in today's table, including 1-year, 3-year, and 5-year when the scrape has them. Mixer Mortgage splits a loan between fixed and variable and is not a single cell in that table — ask Vancity for the current split.
What are Vancity variable mortgage rates?
Vancity variable mortgage rates are prime-linked. Use the variable row in today's table and match insured versus uninsured. Qualification on an insured file still uses a stress-test rate.
What are Vancity mortgage renewal rates?
A renewal rate is the offer on your existing Vancity mortgage when the term ends. It can differ from the new-business rates in today's table. Staying usually skips a new stress test; moving the mortgage usually does not. Compare the letter with the live table before you decide.
What are current Vancity mortgage rates?
Use the cards and rate overview table at the top of this page. Those figures update with our feed. We do not publish a made-up Vancity 5-year average in this FAQ. Compare the same term and insured vs uninsured label with the 5-year fixed and variable hubs.
Do I need to be a Vancity member to get a mortgage?
Vancity is a credit union, so membership is part of holding a Vancity mortgage. If you are not a member, plan to join as part of the application. Eligibility is Vancity's to confirm.
What is the Vancity Mixer Mortgage?
Mixer splits your mortgage between a fixed-rate portion and a variable-rate portion so you are not fully exposed to one rate type. The split, payment, and break penalties are product-specific. Ask Vancity for the current Mixer structure rather than treating it as a single rate in the table above.
How do Vancity mortgage rates compare with the banks?
It depends on the week, the term, and insured vs uninsured. B.C. credit unions sometimes beat a Big 5 special in Vancouver and sometimes do not. Use the live Vancity table on this page and the national 5-year fixed hub. We do not invent a spread versus RBC or TD in this article.
Does Vancity lend outside British Columbia?
Vancity is built for its B.C. membership and B.C. property. If you are buying in another province, look at a local credit union, a national bank, or a brokered lender such as Wealthsimple where that province is covered.
Does a Vancity mortgage still use the stress test?
Insured (high-ratio) mortgages must meet default-insurer rules, including a qualifying-rate test. Uninsured files follow Vancity's own policy. Ask which qualifying rate they will use, and run our stress test calculator as a conservative check.
Compare rates and tools
Popular Cities
See Vancity rates in major Canadian markets
Useful Tools
Calculate payments and affordability
Compare Lenders
See how Vancity stacks up
Alterna Bank
ATB Financial
Bank of Montreal
Butler Mortgage
Canadian Imperial Bank of Commerce
CMLS FinancialCompare All Lenders
See how Vancity rates compare to other Canadian banks and lenders
Compare All RatesLoading the signup form…