Tools & Services
Rates Summary
Effective: January 09, 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% | 0.10% |
| 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 | 1.40% | **2.05% |
| 2 year | 1.50% | **2.10% |
| 3 year | 1.75% | **2.20% |
| 4 year | 1.85% | **2.30% |
| 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.
Rates with a ** are BVCU's Winter Registered Deposit Special Rates! Come in to your LOCAL branch today to find out more information.
In Our Community
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reCaptcha Feature for Online Banking
NEW! reCaptcha feature- added level of security for MemberDirect online banking is coming soon. You will now be asked to verify you are not a robot attempting to login to your MemberDirect online banking. You will not see this upon every login attempt, it will only appear when MemberDirect requires this verification. This will not replace the increased authentication questions you set up and are periodically asked.
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Call for Nominations 2019
The 2018 Winter Newsletter will be attached to your December Statement. The Newsletter includes the call for nominations for our Board of Directors. An election of directors will take place to fill two positions in Smithers and one position in Houston. For more information please continue reading.
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Holiday Hours for Bulkley Valley Credit Union
All branches of Bulkley Valley Credit Union will be closed from Tuesday December 25th to 26th, 2018 as well as January 1, 2019. PLEASE NOTE all branches will be closing at 3:00pm on December 24th, 2018. All other days not listed will be open regular hours.
Staff, Management and the Board of Directors wish everyone the very best of the holiday season!!