Tools & Services
Rates Summary
Effective: September 13, 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 | 4.99% | Call for details | N/A |
| 5 Year | 5.19% | Call for details | N/A |
| 7 Year | 5.80% | Call for details | N/A |
| 10 Year | 6.20% | 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 | 1.20% | 1.45% |
| 2 year | 1.45% | 1.70% |
| 3 year | 1.55% | 1.80% |
| 4 year | 1.65% | 1.90% |
| 5 year | 1.75% | 2.00% |
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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5 Steps to protect yourself
With the increasing amount of scams and cyber threats that are popping up in our every day lives it is important that we continue to work with you, our members to ensure you have the knowledge to avoid these scams. Lets go through 5 steps you can take to protect yourself.
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Credit Unions of BC Bursary Program
Did you know that the Credit Unions of BC Bursary Program awarded over $153,000 in bursaries in 2018?
Bulkley Valley Credit Union is a proud to help BC students reach their post-secondary education goals through the Credit Unions of BC Bursary Program. Submit your bursary application today and get help towards funding your future!