Rates

Borrowing

Prime rate	Rate
Prime lending rate	4.95%

Residential First Mortgage Rates	Rate
5 year special**	3.99%
6 month closed	6.09%
6 month open	9.95%
1 year closed	6.09%
1 year open	9.95%
2 year closed	5.39%
3 year closed	6.05%
3 year variable (Prime + .20%)	5.15%
4 year closed	5.99%
5 year closed	6.09%
5 year variable (Prime – .05%)	4.90%
7 year closed	6.40%
10 year closed	6.80%

Variable Mortgage Rate	Rate
Posted Rate Variable* (Prime + 0.20%)	5.15%

*Payments for variable rate mortgages will be based on Posted Rate Variable.

** Any Special Offers are promotional rates and are not the posted rates of Bulkley Valley Credit Union. Specials Offers may be changed, withdrawn or extended at any time, without notice.

Personal chequing and savings accounts

Basic Chequing Rate	Rate
Interest earned when minimum monthly balance exceeds $1,000, paid quarterly	0.03%

Maximizer Chequing Rates*	Rate
$0 – 2,499	Nil
$2,501 – 4,999	0.05%
$5,000 – 24,999	0.10%
$25,000 – 49,999	0.15%
$50,000 Plus	0.20%

US Dollar Chequing Rates*	Rate
$0 – 499	Nil
$500 – 4,999	0.03%
$5,000 Plus	0.05%

Plan 24 Savings Rate	Rate
Calculated daily and paid monthly. Add .02% for golden accounts	0.05%

Investment Savings Rates*	Rate
$0 – 4,999	0.05%
$5,000 – 24,999	0.10%
$25,000 – 49,999	0.20%
$50,000 – 99,999	0.25%
$100,000 Plus	0.30%

RRSP & RRIF Variable Savings Rate	Rate
Calculated daily and paid semi-annually	0.50%

*Tiered interest calculated daily and paid monthly

Business accounts

Basic Chequing Rate	Rate
Interest earned when minimum monthly balance exceeds $1,000, paid quarterly	0.03%

Business Maximizer Chequing Rates*	Rate
$0 – 2,499	Nil
$2,501 – 4,999	0.05%
$5,000 – 24,999	0.10%
$25,000 – 49,999	0.15%
$50,000 Plus	0.20%

*Tiered interest calculated daily and paid monthly

Term Deposit Rates

Minimum investment of $1,000

Short Term Rates*	Rate
30 to 59 days Redeemable	2.00%
30 to 59 days Non-Redeemable	2.25%
60 to 89 days Redeemable	2.20%
60 to 89 days Non-Redeemable	2.45%
90 to 119 days Redeemable	2.25%
90 to 119 days Non-Redeemable	2.50%
120 to 179 days Redeemable	2.25%
120 to 179 days Non-Redeemable	2.50%
180 to 364 days Redeemable	2.25%
180 to 364 days Non-Redeemable	2.50%

Long Term Rates*	Rate
1 year Redeemable	2.45%
1 year Non-Redeemable	2.55%
2 year Redeemable	2.55%
2 year Non-Redeemable	2.65%
3 year Redeemable	2.55%
3 year Non-Redeemable	2.65%
4 year Redeemable	2.60%
4 year Non-Redeemable	2.70%
5 year Redeemable	2.65%
5 year Non-Redeemable	2.75%

*Interest calculated and paid at maturity

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