Bulkley Valley Credit Union
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Bulkley Valley
Bulkley Valley Credit Union is a credit union located in British Columbia. It was founded in 1941. It primarily serves Hazelton, Houston, Burns Lake and Smithers.
Bulkley Valley Credit Union was founded in May 1941 and serves communities in the Bulkley Valley region of northwestern British Columbia. Headquartered in Smithers, it provides financial services to members in communities from Burns Lake to the Hazeltons.
The credit union offers personal and business banking, mortgages, loans, and investment services, with insurance and financial planning available through related divisions. Its governance structure includes a board of directors elected by members, keeping oversight connected to the communities it serves.
As a member owned cooperative, Bulkley Valley Credit Union shares a portion of its financial success with members through patronage returns. Its work focuses on local decision making, member service, and financial support for individuals, businesses, and communities in northwestern British Columbia.
Provinces served
Number of Members (as of 2025): ~16,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Essentials
- Standard Fee
- $4.00/mo
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- 5 free Interac e-Transfers are included each month. Cheque: $0.80 Pre-Authorized Debit: $0.80 Bill Payment (In Branch or Call Centre): $1.00 Point-of-Sale Transaction: $0.80 Interac e-Transfer (Outgoing): First 5 per month are free, then $0.80 each
- A 0.03% interest rate applies when the minimum monthly balance exceeds $1,000.
- Bulkley Valley Credit Union Essentials is a $4-per-month pay-as-you-go chequing account with 5 free outgoing Interac e-Transfers per month and free incoming e-Transfers. It includes free withdrawals at 3,600+ Canadian credit union ATMs, mobile cheque deposit, and 90-day purchase protection on debit card purchases. Interest is earned when the balance exceeds $1,000.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
2. Account: Limitless Chequing
- Standard Fee
- $16.50/mo
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Bulkley Valley Credit Union Limitless Chequing is a $16.50-per-month chequing account with unlimited transactions and free Interac e-Transfers. It includes free in-branch and call centre withdrawals, transfers, and bill payments, plus cheque processing, pre-authorized debits, debit purchases, online transactions, Canadian credit union ATM withdrawals, mobile cheque deposits, and 90-day debit purchase protection.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Accounts
Savings Account
Account: Investment Savings
- Interest Rate
- 0.05%*
- Standard Fee
- Free
- Free Transactions
- 4
- Insurance Limit
- Unlimited
Account details
- This account allows 4 free transactions.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $4,999 0.05% $5,000 to $24,999 0.10% $25,000 to $49,999 0.20% $50,000 to $99,999 0.25% $100,000 or more 0.30% - Bulkley Valley Credit Union Investment Savings is a tiered savings account with interest calculated daily and paid monthly. Higher balances receive higher interest rates. It includes 4 free specified transactions per month, free online and telephone transfers, and free incoming Interac e-Transfers. Additional eligible transactions are charged individually according to transaction type.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Account
Account: Smart
- Interest Rate
- 0.05%
- Standard Fee
- Free
- Free Transactions
- 10
- Insurance Limit
- Unlimited
Account details
- This account allows 10 free transactions.
- Bulkley Valley Credit Union Smart is a no-monthly-fee savings account with interest calculated on the daily closing balance and paid monthly. It includes 10 free specified transactions per month, including pre-authorized debits, debit purchases, ATM withdrawals, and outgoing Interac e-Transfers. Online and telephone transfers and bill payments are free, along with incoming Interac e-Transfers.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $627M | +5.6% | +17.2% |
| Loans | $406M | +10.6% | +29.7% |
| Deposits | $584M | +5.6% | +17.0% |
| Loan-to-Deposit Ratio | 69.5% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $184M | -7.1% | -3.2% |
| Revenue | $22M | +29.4% | +22.2% |
| Efficiency Ratio | 83.9% | — | — |
| Target Members / Region | Hazelton, Houston, Burns Lake, Smithers | — | — |
Bulkley Valley Credit Union Deposits, Loans and Revenue in the Past 5 Years
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