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Affordable Housing HISA

A safe and secure
way to manage your savings

Get a prime-linked rate, even as the market changes.

VCIB’s Affordable Housing HISA protects your organization’s savings from market volatility, so you can earn a stable, predictable return. You’ll get a prime-linked rate and can access your funds whenever you need them–without penalty. Plus, all of your deposits help finance mission-driven projects in your community.


  • Premium interest rate.
  • Fully liquid account, meaning you can access your savings whenever you need.
  • Secure your principal from the volatility of the market.
  • A variable interest rate ensures you benefit if the prime rate increases.
  • Deposits are eligible for deposit insurance by Canada Deposit Insurance Cooperation (CDIC).
  • 100% of Affordable Housing HISA deposits contribute to affordable and sustainable communities in Canada.


  • Available exclusively to non-profit affordable housing providers.
  • Features a variable interest rate.
  • Prime less 1.85%.
  • No management fees.
  • Interest paid monthly.
  • 5 free outgoing transactions per month, $5 for each additional transaction.
  • Minimum of $50,000 per depositor account.

Contact us to get started.

Contact Us

Download our Affordable Housing HISA package to learn more.

Download Brochure

We put your savings to work for positive change.

80 +
new social purpose real estate projects
3300 +
units of new or preserved affordable housing
943182 sq.ft.
of non-profit, co-working, cultural and community spaces

Vancity Group

VCIB is a wholly owned subsidiary of Vancity Credit Union, Canada’s largest community credit union with more than 560,000 member-owners and $34 billion in assets plus assets under administration. As a values-based financial co-operative, Vancity and its members use finance as a force for change to build a clean and fair world.

Federally Chartered

VCIB is a Schedule 1 chartered bank operating under federal guidelines and regulated by the Office of the Superintendent of Financial Institutions.

Certified Beneficial

A B Corp’s™ purpose is to create social and financial value. To belong, they must meet high standards of transparency and accountability, and create positive social and environmental benefit.

Change Maker

VCIB belongs to the Global Alliance for Banking on Values, an international network of banking leaders who make social and environmental change a part of their financial model.

Vancity Community Investment Bank is a member of CDIC and is a Certified B CorpTM