Tools & Services
Rates Summary
Effective: March 26, 2021
To view rates, click on the headings below.
Lending Rates
| Prime Lending Rate | 2.45% |
Personal Loans, Commercial Mortgages and Commercial Loans |
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% | Contact Us! | N/A |
| 3 Year | 3.45% | Contact Us! | N/A |
| 4 Year | 4.09% | Contact Us! | N/A |
| 5 Year | 4.79% | 2.49% | 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 0.85%: currently at 1.60% | N/A |
Variable Mortgage
Posted Rate Variable*: (Prime + 0.20%: Currently 2.65%) |
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 | 0.05% | 0.15% |
| 2 year | 0.25% | 0.40% |
| 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.
Covid-19 Updates
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Covid-19 Updates
Bulkley Valley Credit Union is HERE FOR YOU during these difficult times, which includes keeping you up to date with the measures we are taking to protect our staff, members, clients, and community from COVID-19.
The updates will also cover what we are doing to ensure Bulkley Valley Credit Union continues to serve your banking, financial, and insurance needs.
Check back regularly or visit our Facebook page for the latest and if you have any questions or concerns, please don’t hesitate to contact us by phone or email.
We are in this together.
In Our Community
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Director Election April 6-12, 2021
The Smithers Representation area is conducting a director election to be held from April 6-12, 2021.
Click here for online voting link and voting information. -
79th Annual General Meeting
Bulkley Valley Credit Union is celebrating its 79th AGM. Please come join our virtual AGM as we celebrate 80 years of being at your service!
Click here to register.