Tools & Services

Rates Summary

Effective: September 16, 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 4.99% Call for details N/A
5 Year 5.19% Call for details N/A
7 Year 5.80% Call for details N/A
10 Year 6.20% 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 **1.50% **2.00%
2 year 1.45% **2.10% Reinvestable
3 year 1.55% **2.10%
4 year 1.65% **2.10%
5 year 1.75% **2.15%

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.

It's time again for our Fall Term Deposit Special!  Come into your LOCAL branch to discuss your deposit needs today!  (Rates with a ** are our special rates).


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