Rates designed to fit your journey
Whether you're saving, borrowing, or planning your next big move, our rates are built to support every financial journey.
Featured rates
No matter where you are in your journey, we’ll help you find a rate that fits and help you build a plan around it.
Spending accounts with simple rates
Find the account that fits your everyday banking needs, whether it's for you or your business—with clear, upfront fees and often, no fees at all.
Personal spending accounts
Simple everyday banking, no hidden fees.
| Account type | Monthly fee | Rate |
|---|---|---|
| Essentials | $0.00 - Free | -- |
| Everyday | $4.95 | -- |
| Unlimited | $9.95 | -- |
| USD Spending | $0.00 - Free | -- |
Everyday account fee is waived if you're under 25 and over 60.
Personal saving accounts*
Grow your savings with monthly interest and no monthly fees.
| Account type | Monthly fee | Rate |
|---|---|---|
| Everyday Savings | $0.00 - Free | 0.05% |
| High Interest Savings | $0.00 - Free | 0.80% |
| USD Savings | $0.00 - Free | 0.10% |
Business spending accounts
Simplify your expenses and keep your focus on what matters—growing your business.
| Account type | Monthly fee | Minimum monthly balance |
|---|---|---|
| Essentials Business | $6.95 | $10K |
| Essentials Business E-Account | $4.95 | -- |
| Everyday Business | $24.95 | $50K |
| Everyday Business - Community | $2.00 | $50K |
| Unlimited Business | $49.95 | $75K |
| USD Business Spending | $4.95 | -- |
Business saving accounts*
Save smarter with business accounts that earn as you grow.
| Account type | Monthly fee | Rate |
|---|---|---|
| Everyday Business Savings | $0.00 - Free | 0.05% |
| High Interest Business Savings¹ | ||
| $0 – $99,999.99 | $0.00 - Free | 1.50% |
| $100,000 – $499,999.99 | $0.00 - Free | 1.75% |
| $500,000 – $999,999.99 | $0.00 - Free | 2.00% |
| $1,000,000 – $4,999,999.99 | $0.00 - Free | 2.25% |
| $5,000,000 + | $0.00 - Free | 2.50% |
| USD Business Savings | $0.00 - Free | 0.10% |
Join Beem
With nearly 200,000 members across BC, you’ll be joining a credit union that has focused on the financial wellness of its community for over 80 years.
Mortgages made for you
Whether you’re buying or renewing, we’re here to help you make sense of your options and choose the one that fits.
Fixed closed-rate mortgages*
Lock in your rate and your peace of mind.
| Term | 25 year rate | 30 year rate |
|---|---|---|
| 1 year | 5.64% | 5.74% |
| 2 year | 4.79% | 4.89% |
| 3 year | 4.39% | 4.49% |
| 4 year | 4.49% | 4.59% |
| 5 year | 4.54% | 4.64% |
| 7 year | 5.00% | 5.10% |
Variable-rate mortgages**
More freedom to pay off your mortgage anytime.
| Term | Rate |
|---|---|
| 1 year (open variable) | Prime + 2.00% 6.95% |
| 3 year (closed variable) | Prime - 0.35% 4.60% |
| 5 year (closed variable) | Prime - 0.45% 4.50% |
Insured mortgages come with a few extra conditions. Nothing scary–just ask us and we'll walk you through it.
Open mortgages*
Freedom to pay more, whenever you’re ready — no strings attached.
| Term | Rate |
|---|---|
| 1 year | 7.95% |
Cashback mortgages*
A mortgage that pays you extra cash when you need it.
| Term | 25 year rate | 30 year rate |
|---|---|---|
| 4 year fixed closed | 5.54% | 5.64% |
| 5 year fixed closed | 5.59% | 5.69% |
What mortgage works for you?
Your journey is unique. Let our advisors help you find the right mortgage. With lending solutions for all kinds of needs, our advisors will work with you to understand your goals and find the best match.
Need a business mortgage?
Whether you’re expanding or refinancing, our business mortgages are built for growth with local decisions and real partnership.
Borrow with confidence
From personal loans to lines of credit, we keep borrowing clear and straightforward so you can focus on what's next.
Lines of credit
Borrow what you need, pay interest only on what you use.
| Product | Rate |
|---|---|
| Secured line of credit | Prime + 0.50% (5.45%) |
| Home equity line of credit (HELOC) | Prime + 0.50% (5.45%) |
Not quite sure?
Let’s talk about your goals and find the right borrowing option to help you get there.
Grow your savings, worry free
Put your money to work with competitive deposit rates and term options that give you flexibility and peace of mind.
Term deposit specials
Smart saving options designed for your future.
| Term | Rate |
|---|---|
| 18 month cashable term | 2.40% |
Short-term non-redeemable term deposits
A solid savings option for your short-term goals.
| Product | Rate |
|---|---|
| 30-59 days | 2.20% |
| 60-89 days | 2.30% |
| 90-179 days | 2.40% |
| 180-269 days | 2.50% |
| 270-364 days | 2.60% |
$500 minimum investment
Long-term non-redeemable term deposits
Stronger rates for longer commitments, simple and secure.
| Product | Rate |
|---|---|
| 1 year | 2.90% |
| 18 month | 2.90% |
| 2 year | 3.00% |
| 3 year | 3.15% |
| 4 year | 3.20% |
| 5 year | 3.20% |
$500 minimum investment
US Dollar short-term non-redeemable term deposits
A solid USD savings option for your short-term goals.
| Product | Rate |
|---|---|
| 30-59 days | 1.75% |
| 60-89 days | 1.95% |
| 90-179 days | 2.15% |
| 180-269 days | 2.25% |
| 270-364 days | 2.45% |
$500 minimum investment. Only available for non-registered accounts.
US Dollar long-term non-redeemable term deposits
Stronger rates for longer commitments, simple and secure.
| Product | Rate |
|---|---|
| 1 year | 3.60% |
| 18 month | 3.50% |
| 2 year | 3.50% |
| 3 year | 3.45% |
| 4 year | 3.35% |
| 5 year | 3.35% |
$500 minimum investment. Only available for non-registered accounts.
Foreign exchange made easy
Whether you're sending money abroad or planning your next trip, get straightforward exchange rates with no surprises—just clarity, convenience, and competitive pricing.
Foreign exchange rates
As of August 08, 2025
| Foreign exchange rates | Buy rate | Sell rate |
|---|---|---|
| USD | 1.4020 | 1.3470 |
| Euro | 1.6742 | 1.5224 |
| Pound | 1.9341 | 1.7587 |
Let's talk rates
Becomea member
With nearly 200,000 members across BC, you’ll be joining a credit union that has focused on the financial wellness of its community for over 80 years.
