Business term deposits / GICs
Watch your savings grow.
Choose term deposits (GICs) to protect your business funds while earning a fixed, guaranteed return over a set period.
Earn up to 4.75% on new deposits
Save more with promotional rates for new deposits to Vancity until Jan. 31, 2026. Terms and conditions apply.
Featured rates.
3.63%‡
33-month non-redeemable
Take advantage of our limited-time offer for new deposits.
3.55%‡
15-month non-redeemable
Exclusive limited-time offer on new deposits.
4.00%‡
364-day USD short-term redeemable
Avoid exchange rate fluctuations and get a guaranteed interest rate.
Business term deposit options.
These term deposits are ideal for short- to medium-term savings and helps support local lending. Receive a locked-in rate for predictable returns, with auto-renewal at maturity unless you opt out.
Escalating
Invest up to 3 years and enjoy interest rates that increase annually with flexible withdrawal options.
Cashable
Our most flexible term deposit. Invest over 1 year, with the ability to withdraw any time after a 30 or 90 day lockout.
Long-term redeemable
Earn interest over 1–5 years with no lock-in starting from $500.
Non-redeemable
Lock in your cash for 1 to 5 years and earn more.
US dollar redeemable
Invest for 30–364 days in USD starting from $5,000.
Short-term redeemable
Earn more than a savings account over 30–364 days starting from $5,000.
Planet-Wise™ Index-linked
Invest from $1,000 for 3 or 5 years in an ESG-screened portfolio with market-linked returns.
Your deposits in our term deposits are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
Let's get saving.
Talk to a pro
Speak with a business advisor to get tailored investment advice for your business.
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Your deposits in this account are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
Vancity is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). To find out more about this coverage, visit the CUDIC website or ask us for more details.
‡ Rate is subject to change or may be withdrawn without notice at any time. Terms and Conditions for each term deposit apply: