Tools & Services

Rates Summary

Effective: March 02, 2019

To view rates, click on the headings below.

Lending Rates

Prime Lending Rate 3.95%

Personal Loans, Commercial Mortgages and Commercial Loans
Please contact your local branch representative for current rates.

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%)**
** Interest compounded monthly. 3-year closed term.

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% 0.20%
60 to 89 days 0.10% 0.35%
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% 1.65%
2 year 1.50% 1.75%
3 year 1.75% 2.00%
4 year 1.85% 2.10%
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.


In Our Community

  • Easter Weekend Hours

    Happy Easter Weekend! All branches will be closed from Friday, April 19th until Monday April 22nd. All locations re-open on Tuesday, April 23rd with regular hours.

    Read More

  • March is Fraud Prevention Month

    Fraud is a crime that threatens every Canadian, regardless of their education, age or income. From January 2014 to December 2017, Canadians lost more than $405 million to fraudsters. It is important we all work together to make sure none of you become a victim of fraud! Continue reading to learn more.

    Read More

  • Update to e Transfers

    Interac e-Transfer is the number 1 Person to Person service in Canada which our members rely on to securely and conveniently send or receive funds. Now, the service, just got better with the introduction of two new features targeting personal and small business members alike. For more information continue reading.

    Read More