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Rates

    See the latest rates

    Please note that rates are subject to change without notice. For current personal loan, commercial mortgage and commercial loan rates, please contact your local branch.

    Borrowing

    Prime rate:

    Prime lending rate5.45%

    Residential First Mortgage Rates

    TermClosedSpecial**Open
    6 month5.59%Contact us9.15%
    1 year5.59%4.99%9.15%
    2 year5.84%5.24%N/A
    3 year5.90%5.30%N/A
    4 year6.04%5.44%N/A
    5 year6.14%5.54%N/A
    7 year6.60%Contact usN/A
    10 year7.00%Contact usN/A
    3 year variable(Prime + .20%) - 5.65%Contact usN/A
    5 year variable(Prime - .25%) - 5.20%Contact usN/A

    ** Any Special Offers are promotional rates and are not the posted rates of Bulkley Valley Credit Union. Specials Offers may be changed, withdrawn or extended at any time, without notice.

    Variable Mortgage Rate

    Posted Rate Variable*Prime + 0.20%: Currently 5.65%

    *Payments for variable rate mortgages will be based on Posted Rate Variable.

    Personal chequing and savings accounts

    Basic Chequing Rate

    Interest earned when minimum monthly balance exceeds $1,000, paid quarterly 0.03%

    *Payments for variable rate mortgages will be based on Posted Rate Variable.

    Maximizer Chequing Rates*

    $0 to 2,499Nil
    $2,501 to 4,9990.03%
    $5,000 to 24,9990.05%
    $25,000 - 49,9990.05%
    $50,000 Plus0.10%

    *Tiered interest calculated daily and paid monthly

    US Dollar Chequing Rates*

    $0 to 499 Nil
    $500 - 4,999 0.03%
    5,000 Plus 0.05%

    *Tiered interest calculated monthly and paid monthly

    Plan 24 Savings Rate

    Calculated daily and paid monthly. Add .02% for golden accounts 0.03%

    *Tiered interest calculated monthly and paid monthly

    Investment Savings Rates*

    $0 to 4,9990.03%
    $5,000 to 24,9990.05%
    $25,000 - 49,9990.10%
    $50,000 - 99,9990.15%
    $100,000 Plus0.20%

    *Tiered interest calculated daily and paid monthly

    RRSP & RRIF Variable Savings Rate

    Calculated daily and paid semi-annually 0.10%

    Business accounts

    Business Chequing Rate

    Calculate monthly and paid quarterly 0.03%

    Business Maximizer Chequing Rates*

    $0 to 2,499Nil
    $2,501 to 4,9990.03%
    $5,000 to 24,9990.05%
    $25,000 - 49,9990.05%
    $50,000 Plus0.10%

    *Tiered interest calculated daily and paid monthly

    Term Deposit Rates

    Minimum investment of $1,000

    Short Term Rates*

    TermRedeemableNon-Redeemable
    30 to 59 days0.75%1.00%
    60 to 89 days1.00%1.25%
    90 to 119 days1.25%1.50%
    120 to 179 days1.25%1.50%
    180 to 364 days1.65%1.90%

    *Interest calculated and paid at maturity

    Long Term Rates*

    Term Redeemable Non-Redeemable
    1 year 3.05% 4.05%
    2 year 2.40% 2.50%
    3 year 2.65% 2.75%
    4 year 3.15% 3.25%
    5 year 3.40% 3.50%

    *Interest calculated and paid annually.

    Opening an account is easy

    Visit one of our branches or make an appointment to get started. We’ll get you set up in no time. You just need to bring two current, primary pieces of ID, your Social Insurance Number, and an initial cash or cheque deposit.

    Find a branch Make an appointment

    Reach us wherever you are

    Let your fingers do the walking or come in to see us. 

    Meet with an advisor

    Book the day and time that suits you.

    Visit a branch

    We’re open between
    9:30am & 4:30pm, M-F.

    Send us an email

    Email a specific branch or department.

    Give us a call

    8am-6pm, M-F,
    9am-5pm, Sat.

    Smithers Branch

    3894 1st Avenue
    Smithers, BC
    V0J 2N0
    250 847-3255
    Hazeltons' Branch

    4646 10th Avenue
    New Hazelton, BC
    V0J 2J0
    250 842-2255


    Houston and District Branch

    2365 Copeland Avenue
    Houston, BC
    V0J 1Z0
    250 845-7117
    Lakes District Branch

    117-35 Lakeview Mall, Hwy 16
    Burns Lake, BC
    V0J 1E0
    250 692-7761
    BVIS

    1139 Main Street
    Smithers, BC
    V0J 2N0
    866 811-1110
    BVFS

    3894 1st Avenue
    Smithers, BC
    V0J 2N0
    250 847-7936

    BVIS

    2367 Copeland Avenue
    Houston, BC
    V0J 1Z0
    866 811-1115
    BVFS

    2367 Copeland Avenue
    Houston, BC
    V0J 1Z0
    250 845-7977
    Administration

    3872 1st Avenue
    Smithers BC
    V0J 2N0
    250 847-7933
    Member Services Contact Centre

    3894 1st Avenue
    Smithers BC
    V0J 2N0
    1 877 847-2828

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