Tools & Services
Rates Summary
Effective: September 14, 2018
To view rates, click on the headings below.
Lending Rates
| Prime Lending Rate | 3.70% |
Personal Loans, Commercial Mortgages and Commercial Loans |
Residential First Mortgage Rates
| Term | Closed | Open | |
|---|---|---|---|
| 6 Month | 3.49% | Call for details | 7.45% |
| 1 Year | 3.49% | Call for details | 7.45% |
| 2 Year | 3.74% | Call for details | N/A |
| 3 Year | 4.30% | 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 3.90%)** |
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% | 0.10% |
| 60 to 89 days | 0.05% | 0.25% |
| 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 | *1.25% | *1.75% |
| 2 year | 1.00% | *1.80% reinvestable |
| 3 year | 1.10% | *1.90% |
| 4 year | 1.25% | *1.90% |
| 5 year | 1.35% | *2.40% |
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.
Rates with a * are bonused for our annual Fall Term Deposit Special. Come and see us today in your LOCAL branch!
In Our Community
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Are You an Android User
Its finally here! For all of you android users who have been patiently waiting for our mobile app to come out, the wait is over! You can now find our mobile app under "Bulkley Valley Credit Union MB" to make your online banking more convenient!
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We are now on Facebook
BVCU has joined the social media world! Find us on Facebook @ Bulkley Valley Credit Union to see what is happening in your local communities. We will use this platform to continue to donate to local groups and projects. Currently for every like and share we will be donating $5 dollars to the new skate park in Smithers! Make sure you check it out!
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Happy Labour Day Weekend!
All branches of Bulkley Valley Credit Union will be closed on Saturday September st, and Monday September 3rd. We will re-open on with regular branch hours on September 4th.
We wish everyone a safe and relaxing long weekend.
If you are in the Telkwa area, stop by the BV Kinsmen Telkwa Barbeque! Check out their website on the next page for details on their events, which include the classic beef, slow-pitch tournament and of course the demolition derby!