Tools & Services
Rates Summary
Effective: April 23, 2008
To view rates, click on the headings below.
Lending Rates
| Prime Lending Rate | 4.75% |
Personal Loans, Commercial Mortgages and Commercial Loans
|
Residential First Mortgage Rates
| Term | Closed | Open |
|---|---|---|
| 6 Month | 6.80% | 8.65% |
| 1 Year | 6.90% | 9.05% |
| 2 Year | 7.00% | N/A |
| 3 Year | 7.00% | N/A |
| 4 Year | 6.85% | N/A |
| 5 Year | 6.99% | N/A |
| 7 Year | 7.35% | N/A |
Variable Capped Mortgage
Floating Rate: (Prime: Currently 4.75%)**; capped @ (7.00%)
|
Personal Chequing and Savings Account Rates
| Basic Chequing Interest earned when minimum monthly balance exceeds $1,000, paid quarterly |
0.05% |
| Maximizer Tiered interest calculated daily and paid monthly |
|
| $0 to 2,000 | Nil |
| $2,001 to 5,000 | 0.05% |
| $5,001 to 25,000 | 0.10% |
| $25,001-50,000 | 0.20% |
| $50,001+ | 0.40% |
| US Dollar Account Tiered interest calculated monthly, paid monthly |
|
| $0 to 500 | Nil |
| $501 to 5,000 | 0.05% |
| $5,001+ | 0.25% |
| Plan 24 Savings Calculated daily and paid monthly. Add .25% for golden accounts |
0.10% |
| Investment Savings Tiered interest calculated daily and paid monthly |
|
| $0 to 5,000 | 0.10% |
| $5,001 to 25,000 | 0.15% |
| $25,000 to 50,000 | 0.35% |
| $50,001 to 100,000 | 0.55% |
| $100,001 + | 0.80% |
| RRSP & RRIF Variable Savings Calculated daily and paid semiannually |
.50% |
Business Account Rates
| Business Chequing Calculate monthly and paid quarterly |
0.05% |
| Business Maximizer© Tiered interest calculated daily and paid monthly |
|
| $0 to 5,000 | Nil |
| $5,001 to 10,000 | 0.05% |
| $10,001 to 25,000 | 0.10% |
| $25,001 to 50,000 | 0.20% |
| $50,001+ | 0.40% |
Term Deposit Rates
Minimum investment of $1,000
Short Term
Interest calculated and paid at maturity
| Term | Redeemable | Non-Redeemable |
|---|---|---|
| 30 to 59 days | 1.50% | 1.75% |
| 60 to 89 days | 1.50% | 1.75% |
| 90 to 119 days | 1.55% | 1.80% |
| 120 to 179 days | 1.55% | 1.80% |
| 180 to 364 days | 1.55% | 1.80% |
Long Term
Interest calculated and paid annually.
| Term | Redeemable | Non-Redeemable |
|---|---|---|
| 1 year | 1.80% | 2.05% |
| 2 year | 1.90% | 2.15% |
| 3 year | 2.15% | 2.40% |
| 4 year | 2.35% | 2.60% |
| 5 year | 2.55% | 2.80% |
In Our Community
-
A Calendar Photo Contest
Bulkley Valley Credit Union is developing its 2009 Calendar and we are asking you to share your photos featuring community outdoor events.
-
Midsummer needs You!
The 25th Annual Midsummer Festival is coming to the Bulkley Valley Fall Fair Grounds in Smithers on June 20-22nd, 2008
-
It is a part of life
Borrowing money is an important part of life! We provide a full range of personal lending services with competitive interest rates and flexible payment options to suit your schedule. Enjoying life TODAY can also be an important part of life!