VCU Rates

VCU is committed to having competitive, flexible rates for all your savings, investment, loan, and mortgage needs. All deposits are guaranteed 100% by the Credit Union Deposit Guarantee Corporation. 
 
The following rates are subject to change without notice.  Please contact the branch directly to lock in a rate.  
Rates are effective as of January 20, 2025.

Buy Sell
US Cash Rate 1.4615 1.4015
US Cheque Rate 1.4065 1.4565

* Advance notice is required to purchase foreign currency. 
Prime 5.45%

GIC Annual Interest
1 Year 3.40%
18 Month 3.25%
2 Years 3.15%
30 Month 3.05%
3 Years 2.95%
40 Month 3.10%
4 Years 2.85%
5 Yr 20/20 3.00%



Variable Rate TFSA | FHSA | RRSP | RRIF 1.20%
1 YR Cashable GIC | TFSA | FHSA  2.90%
5 Year Closed Residential
4.60%

We offer market-competitive rates and will work with you to customize a mortgage to meet your financial needs.
Contact us to learn more! 

* Rates are subject to qualifications and OAC

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