Covid-19 Updates


Tools & Services

Rates Summary

Effective: May 21, 2021

To view rates, click on the headings below.

Lending Rates

Prime Lending Rate 2.45%

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 2.69% Contact Us! 7.45%
1 Year 2.69% Contact Us! 7.45%
2 Year 2.94% 2.09% N/A
3 Year 3.45% Contact Us! N/A
4 Year 4.09% Contact Us! N/A
5 Year 4.79% 2.19% N/A
7 Year 5.40% Contact Us! N/A
10 Year 5.80% Contact Us! N/A
5 Year Variable 2.65% Prime less 0.90%: currently at 1.55% N/A

Variable Mortgage

Posted Rate Variable*: (Prime + 0.20%: Currently 2.65%)
*Payments for variable rate mortgages will be based on Posted Rate Variable.

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 2,500 Nil
$2,501 to 5,000 0.03%
$5,001 to 25,000 0.05%
$25,001-50,000 0.05%
$50,001+ 0.05%
US Dollar Account

Tiered interest calculated monthly, paid monthly

$0 to 500 Nil
$501 to 5,000 0.03%
$5,001+ 0.05%
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 0.05%
$50,001 to 100,000 0.08%
$100,001 + 0.10%
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+ 0.05%

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% 0.05%
60 to 89 days 0.05% 0.15%
90 to 119 days 0.05% 0.15%
120 to 179 days 0.05% 0.15%
180 to 364 days 0.05% 0.15%

Long Term

Interest calculated and paid annually.

Term Redeemable Non-Redeemable
1 year 0.35% 0.60%
2 year 0.25% 0.80%
3 year 0.35% 0.50%
4 year 0.55% 0.75%
5 year 0.70% 0.95%

Disclaimer

Rates are subject to change without notice. Variable rates are calculated monthly, not in advance. Variable rates change when the Bulkley Valley Credit Union Prime Lending Rate changes. Fixed rates are calculated semi-annually, not in advance. Special rates are discounts off of posted rates and based on risk. Rates may be higher depending on the application and type of property selected.


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