Tools & Services
Rates Summary
Effective: May 01, 2018
To view rates, click on the headings below.
Lending Rates
| Prime Lending Rate | 3.45% |
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 3.65%)** |
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 2,000 | 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 | 0.85% | 1.10% |
| 2 year | 1.00% | 1.25% |
| 3 year | 1.10% | 1.35% |
| 4 year | 1.25% | 1.50% |
| 5 year | 1.35% | 1.60% |
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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Northwest Trade Expo May 4th and 5th
Be sure to stop by the Northwest Trade Expo being held this weekend at Civic Centre in Smithers on May 4th and 5th. The Expo will be held in both arenas as well as outdoor exhibits! Don't miss out on some great exhibits, entertainment and food!
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Career Fair Today in Burns Lake
Come Visit Luella, Nathan and Madisen at the BVCU Booth at the Career Fair in Burns Lake TODAY, Friday, April 20, 2018! The career fair is happening at the Margaret Patrick Memorial Hall from 9:30-2:00. If you have ever thought about a career in the financial industry this is a great way to learn more about what steps to take to make you part of the BVCU Team!!
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The GREEN envelopes are coming to you!!
All of us at Bulkley Valley Credit Union - including staff members, management, and our Board of Directors - want to take a moment to thank every single member for their continued support.
There are a few options available for you to receive your patronage payment:
1) Bring the voucher into any one of our four branches and receive your payment in cash.
2) Deposit the voucher through a BVCU ATM in New Hazelton, Smithers, Houston or Burns Lake. (ONLY a BVCU ATM)
3) Do nothing, and BVCU staff will deposit the funds into your account in June.
Also, remember that you can bring the letter and the envelope to your local branch to be recycled.