Tools & Services
Rates Summary
Effective: January 09, 2019
To view rates, click on the headings below.
Lending Rates
| Prime Lending Rate | 3.95% |
Personal Loans, Commercial Mortgages and Commercial Loans |
Residential First Mortgage Rates
| Term | Closed | Open | |
|---|---|---|---|
| 6 Month | 3.64% | Call for details | 7.45% |
| 1 Year | 3.64% | Call for details | 7.45% |
| 2 Year | 3.89% | Call for details | N/A |
| 3 Year | 4.45% | Call for details | N/A |
| 4 Year | 5.04% | Call for details | N/A |
| 5 Year | 5.34% | Call for details | N/A |
| 7 Year | 5.80% | Call for details | N/A |
| 10 Year | 6.60% | Call for details | N/A |
Variable Mortgage
Floating Rate: (Prime + 0.20%: Currently 4.15%)** |
Personal Chequing and Savings Account Rates
| Basic Chequing Interest earned when minimum monthly balance exceeds $1,000, paid quarterly |
0.03% |
| Maximizer Tiered interest calculated daily and paid monthly |
|
| $0 to 2,000 | Nil |
| $2,001 to 5,000 | 0.03% |
| $5,001 to 25,000 | 0.05% |
| $25,001-50,000 | 0.05% |
| $50,001+ | 0.10% |
| US Dollar Account Tiered interest calculated monthly, paid monthly |
|
| $0 to 500 | Nil |
| $501 to 5,000 | 0.03% |
| $5,001+ | 0.10% |
| Plan 24 Savings Calculated daily and paid monthly. Add .02% for golden accounts |
0.03% |
| Investment Savings Tiered interest calculated daily and paid monthly |
|
| $0 to 5,000 | 0.03% |
| $5,001 to 25,000 | 0.05% |
| $25,000 to 50,000 | 0.10% |
| $50,001 to 100,000 | 0.15% |
| $100,001 + | 0.20% |
| RRSP & RRIF Variable Savings Calculated daily and paid semiannually |
.05% |
Business Account Rates
| Business Chequing Calculate monthly and paid quarterly |
0.03% |
| Business Maximizer© Tiered interest calculated daily and paid monthly |
|
| $0 to 5,000 | Nil |
| $5,001 to 10,000 | 0.03% |
| $10,001 to 25,000 | 0.05% |
| $25,001 to 50,000 | 0.05% |
| $50,001+ | 0.10% |
Term Deposit Rates
Minimum investment of $1,000
Short Term
Interest calculated and paid at maturity
| Term | Redeemable | Non-Redeemable |
|---|---|---|
| 30 to 59 days | 0.05% | 0.10% |
| 60 to 89 days | 0.05% | 0.25% |
| 90 to 119 days | 0.10% | 0.35% |
| 120 to 179 days | 0.10% | 0.35% |
| 180 to 364 days | 0.25% | 0.50% |
Long Term
Interest calculated and paid annually.
| Term | Redeemable | Non-Redeemable |
|---|---|---|
| 1 year | 1.40% | **2.05% |
| 2 year | 1.50% | **2.10% |
| 3 year | 1.75% | **2.20% |
| 4 year | 1.85% | **2.30% |
| 5 year | 1.95% | **2.20% |
Disclaimer
All rates subject to change without notice. Lending rates subject to meeting Bulkley Valley Credit Union’s usual credit criteria. Some conditions may apply.
Rates with a ** are BVCU's Winter Registered Deposit Special Rates! Come in to your LOCAL branch today to find out more information.
In Our Community
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Happy Family Day
Happy Family Day from Staff and Management of Bulkley Valley Credit Union. To allow our staff to spend the day with their families all branches will be closed from Saturday, February 16th and re-open on Tuesday, February 19th with regular business hours.
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Turbo Tax offer!
TurboTax makes it easy to do your taxes right and get your maximum tax refund guaranteed.1 What’s best, as a valued member of Bulkley Valley Credit Union, you can get a special 20% discount on TurboTax Online products.
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Last Chance for Bursary Applications!
Bulkley Valley Credit Union is proud to help Bulkley Valley and Lakes District students reach their post-secondary education goals through the Credit Unions of BC Bursary Program. Submit your bursary application today and get help towards funding your future! Deadline is to apply for a bursary up to $2000 is February 15. Continue reading for more information!