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 | -- |
| Everyday | $4.95 | -- |
| Unlimited | $9.95 | -- |
| US Chequing | $0.00 | -- |
Personal saving accounts
Grow your savings with monthly interest and no monthly fees.
| Account type | Monthly Fee | Rate |
|---|---|---|
| Everyday Savings | $0.00 | 0.05% |
| High Interest Savings | $0.00 | 0.80% |
| USD Savings | $0.00 | 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-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 Years (Closed Variable) | Prime - 0.35% (4.60%) |
| 5 Years (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.
What mortgage works best for you? Work with our advisors
Our advisors can help. We offer lending solutions for all kinds of needs, and we’ll 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 as needed, 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%) |
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.
Short term deposits
Borrow as needed, pay interest only on what you use.
| 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% |
Long term deposits
Smart saving options designed for your future.
| Product | Rate |
|---|---|
| 1 Year | 2.90% |
| 18 Months | 2.90% |
| 2 Years | 3.00% |
| 3 Years | 3.15% |
| 4 Years | 3.20% |
| 5 Years | 3.20% |
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
| Foreign Exchange Rates | Buy Rate | Sell Rate |
|---|---|---|
| USD | 1.4018 | 1.3468 |
| Euro | 1.6565 | 1.5062 |
| Pound | 1.9333 | 1.7580 |
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.
