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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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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Stay Safe Online
Life is a little easier when you use your computer and mobile devices to get things done online. There are a few simple and sensible things you should be doing to help protect your self from online scams. Continue reading to find out what they are.
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2019 Member Survey
Bulkley Valley Credit Union would like to thank everyone for their participation in the 2019 member survey. We have drawn for the final iPad winner and Terrie Mcaloney was the winner!