Tools & Services

Rates Summary

Effective: March 31, 2020

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 3.29% Call for details 7.45%
1 Year 3.29% Call for details 7.45%
2 Year 3.54% Call for details N/A
3 Year 4.05% Call for details N/A
4 Year 4.64% Call for details N/A
5 Year 5.04% Call for details N/A
7 Year 5.55% Call for details N/A
10 Year 5.95% Call for details N/A

Variable Mortgage

Floating Rate: (Prime + 0.20%: Currently 2.65%)**
** 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 2,500 Nil
$2,501 to 5,000 0.03%
$5,001 to 25,000 0.05%
$25,001-50,000 0.05%
$50,001+ 0.10%
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 0.75% 1.00%
2 year 0.85% 1.10%
3 year 0.90% 1.15%
4 year 0.95% 1.20%
5 year 1.25% 1.50%

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

  • AGM Update

    For the safety of our members and to support the continued efforts of maintaining social distancing, the Board of Directors of Bulkley Valley Credit Union has decided not to hold our Annual General Meeting on April 20, 2020, at the Dze L K’ant Friendship Centre in Smithers as previously advertised.

    Instead, we will be hosting a virtual AGM on that same date, starting at the advertised time of 7:00 P.M.

    Read More

  • Easter Weekend Hours

    Happy Easter Weekend! All branches will be closed from Friday, April 10th until Monday April 13th. All locations re-open on Tuesday, April 14th with our temporary hours of 10:00 AM to 3:00 PM.

    Read More

  • COVID-19 and Alternative Banking Solutions

    April 1, 2020
    BVCU is HERE FOR YOU.

    During the COVID-19 outbreak, Bulkley Valley Credit Union is taking added precautions to keep our members and staff safe. We are asking members to limit the use of our branches for essential services only and to respect the health authority and municipal, provincial and federal government measures. In consideration of our staff and other members, only attend if you are symptom free.

    Read More