Tools & Services
Rates Summary
Effective: September 09, 2020
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% | Call for details | 7.45% |
| 1 Year | 2.69% | Call for details | 7.45% |
| 2 Year | 3.04% | Call for details | N/A |
| 3 Year | 3.55% | Call for details | N/A |
| 4 Year | 4.09% | Call for details | N/A |
| 5 Year | 4.79% | Call for details | N/A |
| 7 Year | 5.40% | Call for details | N/A |
| 10 Year | 5.80% | Call for details | N/A |
Variable Mortgage
Floating Rate: (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% | 0.50% |
| 3 year | 0.35% | 0.60% |
| 4 year | 0.55% | 0.80% |
| 5 year | 0.70% | 0.95% |
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.
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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Mandatory Mask Requirement
Bulkley Valley Credit Union (BVCU), Bulkley Valley Financial Services (BVFS), and Bulkley Valley Insurance Services (BVIS) take the health and safety of our staff, members, and the community very seriously.
Since the beginning of the COVID-19 pandemic, we have actively followed provincial guidelines to ensure a healthy and safe experience for everyone in our buildings. This includes the mandatory mask requirement that came into effect on November 20 across British Columbia. This new restriction states that masks must be worn in all indoor public settings. Members who do not comply can be refused entry or service. -
Direct Deposit for CRA
With CRA Direct Deposit, Canadians can receive payments such as: income tax refund, benefits and credits such as the Canada child benefit (CCB), the goods and services tax/harmonized sales tax (GST/HST) credit, Canada workers benefit (CWB), and provincial and territorial payments such as the Ontario Trillium Benefit (OTB). Eligible Canadians can also receive COVID-19 support benefits such as the Canada Recovery Benefit, Canada Recovery Sickness Benefit and Canada Recovery Caregiving Benefit directly into their bank account.