Rates

See the latest rates

Please note that rates are subject to change without notice. For current personal loan, commercial mortgage and commercial loan rates, please contact your local branch.

Borrowing

Prime rate:

Prime lending rate	5.45%

Residential First Mortgage Rates

Term	Closed	Special**	Open
6 month	6.99%	Contact us	9.95%
1 year	6.99%	Contact us	9.95%
2 year	6.59%	Contact us	N/A
3 year	6.40%	Contact us	N/A
4 year	6.24%	Contact us	N/A
5 year	6.39%	4.59%	N/A
7 year	6.65%	Contact us	N/A
10 year	7.05%	Contact us	N/A
3 year variable	(Prime + .20%) - 5.65%	Contact us	N/A
5 year variable	(Prime - .05%) - 5.40%	Contact us	N/A

** 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 Specials Offers may be changed, withdrawn or extended at any time, without notice.

Variable Mortgage Rate

Posted Rate Variable*

Prime + 0.20%: Currently 5.65%

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

Personal chequing and savings accounts

Basic Chequing Rate

Interest earned when minimum monthly balance exceeds $1,000, paid quarterly

0.03%

Maximizer Chequing Rates*

$0 to 2,499	Nil
$2,501 to 4,999	0.05%
$5,000 to 24,999	0.10%
$25,000 - 49,999	0.15%
$50,000 Plus	0.20%

*Tiered interest calculated daily and paid monthly

US Dollar Chequing Rates*

$0 to 499	Nil
$500 - 4,999	0.03%
5,000 Plus	0.05%

*Tiered interest calculated monthly and paid monthly

Plan 24 Savings Rate

Calculated daily and paid monthly. Add .02% for golden accounts

0.05%

*Tiered interest calculated monthly and paid monthly

Investment Savings Rates*

$0 to 4,999	0.05%
$5,000 to 24,999	0.10%
$25,000 - 49,999	0.20%
$50,000 - 99,999	0.25%
$100,000 Plus	0.30%

*Tiered interest calculated daily and paid monthly

RRSP & RRIF Variable Savings Rate

Calculated daily and paid semi-annually

0.50%

Business accounts

Business Chequing Rate

Calculate monthly and paid quarterly

0.03%

Business Maximizer Chequing Rates*

$0 to 2,499	Nil
$2,501 to 4,999	0.05%
$5,000 to 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*

Term	Redeemable	Non-Redeemable
30 to 59 days	2.15%	2.40%
60 to 89 days	2.35%	2.60%
90 to 119 days	2.90%	2.75%
120 to 179 days	2.50%	2.75%
180 to 364 days	2.75%	3.00%

*Interest calculated and paid at maturity

Long Term Rates*

Term	Redeemable	Non-Redeemable
1 year	2.90%	3.00%
2 year	2.75%	2.85%
3 year	2.75%	2.85%
4 year	2.70%	2.80%
5 year	2.65%	2.75%

*Interest calculated and paid annually.

Opening an account is easy

Visit one of our branches or make an appointment to get started. We’ll get you set up in no time. You just need to bring two current, primary pieces of ID, your Social Insurance Number, and an initial cash or cheque deposit.

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