Vancity mortgage rates
Vancity's lowest 5-year fixed rate on its own website was 4.79% (insured) when we read it on Nov 13, 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%.
What are Vancity's mortgage rates by term?
| 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 | — |
What does Vancity's 5-year rate cost on $500,000?
| Vancity 5-yr | 4.79%read Nov 13, 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 13, 2026.
Which Vancity rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | special | 5.49% APR 5.69% | s page doesn | page as of Oct 29, 2026 |
| 1-year | Fixed | Insured | special | 4.35% APR 4.45% | s page doesn | page as of Oct 29, 2026 |
| 1-year | Fixed | Not split | special | 4.55% APR 4.65% | s page doesn | page as of Oct 29, 2026 |
| 2-year | Fixed | Insured | special | 4.55% APR 4.60% | s page doesn | page as of Oct 29, 2026 |
| 2-year | Fixed | Not split | special | 4.65% APR 4.70% | s page doesn | page as of Oct 29, 2026 |
| 3-year | Fixed | Insured | special | 4.70% APR 4.73% | s page doesn | page as of Oct 29, 2026 |
| 3-year | Fixed | Uninsured | special | 4.75% APR 4.78% | — | page as of Oct 29, 2026 |
| 3-year | Fixed | Not split | special | 4.80% APR 4.83% | s page doesn | page as of Oct 29, 2026 |
| 4-year | Fixed | Insured | special | 4.74% APR 4.76% | s page doesn | page as of Oct 29, 2026 |
| 4-year | Fixed | Uninsured | special | 4.79% APR 4.82% | — | page as of Oct 29, 2026 |
| 4-year | Fixed | Not split | special | 4.84% APR 4.87% | s page doesn | page as of Oct 29, 2026 |
| 5-year | Variable | Not split | special | 4.20% prime − 0.50 APR 4.22% | HOMEPRIME RATE††: 4.70% The current Homeprime rate is effective as of October 29, 2026. s page doesn | page as of Oct 29, 2026 |
| 5-year | Fixed | Insured | special | 4.79% APR 4.81% | s page doesn | page as of Oct 29, 2026 |
| 5-year | Fixed | Uninsured | special | 4.84% APR 4.86% | — | page as of Oct 29, 2026 |
| 5-year | Fixed | Not split | special | 4.89% APR 4.91% | s page doesn | page as of Oct 29, 2026 |
| 7-year | Fixed | Not split | special | 4.97% APR 4.98% | s page doesn | page as of Oct 29, 2026 |
| 10-year | Fixed | Not split | special | 5.29% APR 5.30% | s page doesn | 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 13, 2026; check the lender's page before relying on any rate.
How does Vancity charge to break a mortgage early?
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 BC. Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
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 13, 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%.