About Beem Credit Union
Beem Credit Union is a BC credit union formed January 1, 2024 by the merger of Gulf & Fraser and Interior Savings, later joined by BlueShore Financial (January 1, 2025) and CECU (June 1, 2025). It is one of BC's largest credit unions, with over 193,000 members, 66+ locations and roughly $17B in assets under administration, offering full personal and business banking, wealth and insurance services.
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Access: Membership required · Open common bond
Eligible provinces: British Columbia
How to join: Open a membership online or at any branch by purchasing membership shares.
Notes: Must reside or work in BC; $5 share. Post-2023/2024/2025 amalgamation of Interior Savings, BlueShore, G&F, Aldergrove, Salmon Arm.; $5 share, open membership; consolidation of Interior Savings, BlueShore, G&F, Aldergrove, Salmon Arm
Deposit protection: Credit Union Deposit Insurance Corporation of British Columbia
100% unlimited deposit protection; administered by BCFSA
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.30% |
| 2-year GIC | 3.45% |
| 3-year GIC | 3.60% |
| 4-year GIC | 3.70% |
| 5-year GIC | 3.80% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $500+ | 2.00% |
| 60–179 days | Non-reg | N | — | At maturity | $500+ | 2.10% |
| 180–364 days | Non-reg | N | — | At maturity | $500+ | 2.55% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | $500+ | 3.30% |
| 1 year | Non-reg | cashable | — | At maturity | $500+ | 2.30% |
| 18 months | Non-reg | N | — | At maturity | $500+ | 3.15% |
| 2 years | Non-reg | N | — | At maturity | $500+ | 3.45% |
| 3 years | Non-reg | N | — | At maturity | $500+ | 3.60% |
| 4 years | Non-reg | N | — | At maturity | $500+ | 3.70% |
| 5 years | Non-reg | N | — | At maturity | $500+ | 3.80% |
| U.S. dollar — all terms | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $500+ | 1.75% |
| 60 – 89 days | Non-reg | N | — | At maturity | $500+ | 1.95% |
| 90 – 179 days | Non-reg | N | — | At maturity | $500+ | 2.15% |
| 180 – 269 days | Non-reg | N | — | At maturity | $500+ | 2.25% |
| 270 – 364 days | Non-reg | N | — | At maturity | $500+ | 2.45% |
| 1 year | Non-reg | N | — | At maturity | $500+ | 4.00% |
| 18 months | Non-reg | N | — | At maturity | $500+ | 3.50% |
| 2 years | Non-reg | N | — | At maturity | $500+ | 3.70% |
| 3 years | Non-reg | N | — | At maturity | $500+ | 3.70% |
| 4 years | Non-reg | N | — | At maturity | $500+ | 3.75% |
| 5 years | Non-reg | N | — | At maturity | $500+ | 3.80% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Everyday Savings | — | — | — | 0.05% |
| HISA | High Interest Savings | — | — | — | 0.70% |
| USD | USD SavingsUS$ | — | — | — | 0.10% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| Amortization — 25 years or less | ||||
| 1-year | Fixed | Open | No | 7.20% |
| 1-year | Fixed | Closed | No | 4.79% |
| 2-year | Fixed | Closed | No | 4.59% |
| 3-year | Fixed | Closed | No | 4.54% |
| 4-year | Fixed | Closed | No | 4.64% |
| 5-year | Fixed | Closed | No | 4.69% |
| 7-year | Fixed | Closed | No | 5.20% |
| 1-year | Variable | Open | No | 5.45%Prime + 1.00% |
| 3-year | Variable | Closed | No | 3.90%Prime − 0.55% |
| 5-year | Variable | Closed | No | 3.75%Prime − 0.70% |
| 5-year | Fixed | Closed | Yes | 4.34% |
| Amortization — over 25 years | ||||
| 1-year | Fixed | Closed | No | 4.89% |
| 2-year | Fixed | Closed | No | 4.69% |
| 3-year | Fixed | Closed | No | 4.64% |
| 4-year | Fixed | Closed | No | 4.74% |
| 5-year | Fixed | Closed | No | 4.79% |
| 7-year | Fixed | Closed | No | 5.30% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Home equity line of credit (HELOC) | 4.95%Prime + 0.50% |
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