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 |
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% | 0.20% |
| 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
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2019 Member Survey
Bulkley Valley Credit Union is proud to announce the launch of our 2019 Member Survey. A few hundred members have received letters in the mail requesting their participation in this important project. We would like to encourage you to share your thoughts with us. Update- We have our first iPad winner for the early bird draw! Thank you Grant Watson for filling out our survey! We really appreciate you taking that time.
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Interac Flash Now Available
Interac Flash (also knows as "tap") is a secure and convenient payment feature that lets you pay at the Point of Sale with your Member Card debit card by simply holding your card over the contactless reader. As of Monday April 29th, we are offering this product to our members!
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It Doesnt Take Much to Lose Everthing
With technology taking over so many of our day to day lives it is important that we do everything we can to protect ourselves. Continue reading for tips and tricks when it comes to your PIN.