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Envision Financial (Tru)

Credit union· Langley, British Columbia· Since 2001Anyone can join

Profiled by Ratehunter

data as of 2026-10-16 · How we track rates

About Envision Financial (Tru)

Envision Financial is a divisional brand of Tru Cooperative Bank, originating as Envision Credit Union in 2001 from the merger of Delta Credit Union and First Heritage Savings Credit Union. It co-founded First West Credit Union in 2010 and serves BC's Lower Mainland, Fraser Valley, and Kitimat.

A division of Tru Cooperative Bank

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Access: Membership required · Open common bond

Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon

How to join: Open a membership at any Envision Financial branch or via trucooperativebank.ca.

Notes: Federally regulated as Tru Cooperative Bank (former First West, April 2026). Operates retail only in BC.; Federally regulated; brand division of Tru Cooperative Bank (former First West)

Deposit protection: Canada Deposit Insurance Corporation

$100,000 per insured category per member institution

How deposit insurance works →

Current top rates

rates confirmed as of 2026-10-11

Best GIC · 5-year3.86%

Best mortgage · 5-year fixed4.74%

Prime rate4.45%

GIC ladder	Best rate
1-year GIC	3.36%
2-year GIC	3.66%
3-year GIC	3.76%
4-year GIC	3.81%
5-year GIC	3.86%

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

— not stated on siterates confirmed as of 2026-10-11

Filter 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+	0.45%
60–179 days	Non-reg	N	—	At maturity	$500+	2.06%
180 – 269 days	Non-reg	N	—	At maturity	$500+	3.01%
270 – 364 days	Non-reg	N	—	At maturity	$500+	3.11%
Long-term — 1 year +
1 year	Non-reg	N	—	Annually	$500+	3.36%
1 year	Non-reg	cashable	—	At maturity	$500+	2.31%
2 years	Non-reg	N	—	Annually	$500+	3.66%
3 years	Non-reg	N	—	Annually	$500+	3.76%
4 years	Non-reg	N	—	Annually	$500+	3.81%
5 years	Non-reg	N	—	Annually	$500+	3.86%
PRIMECONNECTRedeemable · simple interest · paid annually · $500 minimum
3 years	Non-reg	Y	—	Annually	$500+	3.20%
Step-Up ® 18Plus18Redeemable · paid at maturity
3 years	Non-reg	Y	—	At maturity	—	3.01%
Step-Up ® 6Plus6Redeemable · paid at maturity
1 year	Non-reg	Y	—	At maturity	—	2.91%
Step-Up ® 9Plus9Redeemable · paid at maturity
18 months	Non-reg	Y	—	At maturity	—	2.96%
U.S. dollar — all terms
30 – 59 days	Non-reg	N	—	At maturity	$500+	0.05%
60 – 89 days	Non-reg	N	—	At maturity	$500+	0.10%
90 – 119 days	Non-reg	N	—	At maturity	$500+	0.15%
120 – 179 days	Non-reg	N	—	At maturity	$500+	0.20%
180 – 269 days	Non-reg	N	—	At maturity	$500+	0.25%
270 – 364 days	Non-reg	N	—	At maturity	$500+	0.30%

Savings & chequing rates

rates confirmed as of 2026-10-11

Filter rates

Type	Product	Calculated	Paid	Min. balance	Rate
Savings
Savings	Home Sweet Bonus	—	—	$0	0.30%
Savings	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$0	0.30%
Savings	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$5,000	0.30%
Savings	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$20,000	0.30%
Savings	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$50,000	0.30%
Savings	Savings First	—	—	$0	0.30%
Chequing
Chequing	Tru Essentials Chequing Account	—	—	$0	0.00%
USD	US Dollar Chequing AccountUS$	—	Monthly	$0	0.00%
USD	US Dollar Chequing AccountUS$	—	Monthly	$5,000	0.01%
RRSP
RRSP	High Interest Savings Account (also eligible for RRSP and TFSA)	—	Monthly	$0	0.64%
RRSP	High Interest Savings Account (also eligible for RRSP and TFSA)	—	Monthly	$5,000	0.64%
RRSP	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$0	0.30%
RRSP	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$5,000	0.30%
RRSP	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$20,000	0.30%
RRSP	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$50,000	0.30%
TFSA
TFSA	High Interest Savings Account (also eligible for RRSP and TFSA)	—	Monthly	$0	0.64%
TFSA	High Interest Savings Account (also eligible for RRSP and TFSA)	—	Monthly	$5,000	0.64%
TFSA	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$0	0.30%
TFSA	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$5,000	0.30%
TFSA	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$20,000	0.30%
TFSA	Registered Variable Savings Account (also eligible for RRSP and TFSA)	—	Semi-annually	$50,000	0.30%

Mortgage rates

rates confirmed as of 2026-10-11

Filter rates

Term	Type	Open / closed	Insured	Posted rate
6-month	Fixed	Open	No	7.70%
1-year	Fixed	Open	No	7.70%
6-month	Fixed	Closed	No	6.64%
1-year	Fixed	Closed	No	4.74%
2-year	Fixed	Closed	No	4.69%
3-year	Fixed	Closed	No	4.64%
4-year	Fixed	Closed	No	4.69%
5-year	Fixed	Closed	No	4.74%
7-year	Fixed	Closed	No	7.39%
10-year	Fixed	Closed	No	7.64%
5-year	Variable	Open	No	4.85%
5-year	Variable	Closed	No	3.85%
5-year	Fixed	Closed	Yes	4.59%
5-year	Variable	Closed	Yes	3.70%

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