Premium Savings
Enjoy premium savings with tiered, higher rates of interest.
- One free debit transaction per month
- No minimum amount required
- Tiered interest based on balance
- Deposits are 100% guaranteed†
Our savings accounts offer these common benefits in addition to their individual features:
Enjoy premium savings with tiered, higher rates of interest.
The Premium Savings Account offers tiered interest rates that increase incrementally as your balance grows, allowing you to grow your savings as your account balance increases.
Premium Savings Package Service Charges | |
---|---|
In-Branch | |
Electronic | |
Withdrawals | $5.00 b |
Bill Payment - In branch | $5.00 |
Transfers (between BlueShore Financial accounts) | Free |
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $5.00 b |
Withdrawals – Interac® ATM | $5.00 |
Withdrawals – Cirrus or U.S. EXCHANGE® ATM | $5.00 |
Point of Sale (in Canada) | $5.00 b |
Bill Payment - Online | $5.00 b |
Interac® e-Transfers - request money | Free |
Interac® e-Transfers - send money | $5.00 b |
Pre-authorized Payment Debits | $5.00 b |
Cheque Clearing | N/A |
b May be included in the number of transaction(s) as per package set-up; fees charged after transaction limit.
Premium interest rate with full access to your money and slightly higher fees.
The High Interest Savings Account is an investment savings account offering a premium interest rate. It is an ideal complement to your everyday bank account to save for a special purchase or event. Or use it as a way to start building your investments until you have enough to meet the minimum required for a term deposit or to invest in other ways.
High Interest Savings Package Service Charges | |
---|---|
In-Branch | |
Electronic | |
Withdrawals | $5.00 b |
Bill Payment - In branch | $5.00 |
Transfers (between BlueShore Financial accounts) | Free |
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $5.00 b |
Withdrawals – Interac® ATM | $5.00 |
Withdrawals – Cirrus or U.S. EXCHANGE® ATM | $5.00 |
Point of Sale (in Canada) | $5.00 b |
Bill Payment - Online | $5.00 b |
Interac® e-Transfers - request money | Free |
Interac® e-Transfers - send money | $5.00 b |
Pre-authorized Payment Debits | $5.00 b |
Cheque Clearing | N/A |
b May be included in the number of transaction(s) as per package set-up; fees charged after transaction limit.
Earn interest with full access to your money.
If you would like to save for a special purchase or event, but need to dip into your savings occasionally, this may be the account for you.
Balance | Rate |
No minimum balance required to earn interest | * |
Savings Package Service Charges | |||
---|---|---|---|
In-Branch | Regular | Golden | Youth |
Electronic | Regular | Golden | Youth |
Withdrawals | $1.25b | $1.25b | $1.25b |
Bill Payment - In branch | $1.25b | $1.25b | $1.25b |
Transfers (between BlueShore Financial accounts) | Free | Free | Free |
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $1.25bb | $1.25b | $1.25b |
Withdrawals - Interac® ATM | $2.25 | $2.25 | $2.25 |
Withdrawals - Cirrus or U.S. EXCHANGE® ATM | $3.25 | $3.25 | $3.25 |
Point of Sale (in Canada) | $1.25b | $1.25b | $1.25b |
Bill Payment - Online | $0.70b | $0.70b | $0.70b |
Interac® e-Transfers (send, request money) | $1.00 | $1.00 | $1.00 |
Pre-authorized Payment Debits | $1.25b | $1.25b | $1.25b |
Cheque Clearing | N/A | N/A | N/A |
b May be counted as free transaction(s) as per package set-up.
Easy cross-border banking.
Ideal for clients who frequently travel across the border or who receive money from the U.S. This account earns daily interest and shelters you from fluctuations in currency exchange rates.
Please note this account cannot be accessed from ATMs that dispense U.S. funds.
Balance | Rate |
---|---|
No minimum balance required to earn interest | * |
U.S. Savings Account Service Charges | |
---|---|
In-Branch | |
Electronic | |
Transactions included | 1 |
Withdrawals | $1.25a,b |
Bill Payment - In branch | N/A |
Transfers (between BlueShore Financial accounts) | Freec |
Withdrawals – BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | N/A |
Withdrawals – Interac® ATM | N/A |
Withdrawals – Cirrus or U.S. EXCHANGE® ATM | N/A |
Point of Sale (in Canada) | N/A |
Bill Payment - Online | N/A |
Interac® e-Transfers | N/A |
Pre-authorized Payment Debits | $1.25a,b |
Cheque Clearing | N/A |
a Service charges in U.S. dollars
b This transaction qualifies as part of your monthly transaction total
c Standard foreign exchange rates apply between Canadian and U.S. accounts
Save for retirement tax-efficiently.
Our RRSP Savings account is a flexible savings option designed to help make it easy for you to save for your retirement. You choose how much, when and how often you wish to contribute to your RRSP. You can transfer your funds to a higher-yield registered investment product – for example, term deposits or mutual funds† – at any time with no penalties or service fees.
And if you're running short on time when RRSP contribution deadlines loom, it's a great place to "park" your money to ensure you maximize your tax benefits. Then you can arrange to meet with one of our financial or investment advisors, to make the right long-term decisions for your retirement savings.
Balance | Rate |
---|---|
No minimum balance required to earn interest | * |
Ready money for your retirement income needs.
A Registered Retirement Income Fund (RRIF) Savings account combines the flexibility of a savings account with the benefit of a registered product. It's a great source of ready cash when you don't want to "cash out" funds from other RRIF investments. You can accumulate funds in your RRIF Savings tax-free until you withdraw them. You might use the money for a holiday, major purchase, emergencies or to pay taxes. Manage your retirement income on your own terms; the amount and length of time your funds are held in the account can vary, and you won't be charged penalties or service fees.
Balance | Rate |
---|---|
No minimum balance required to earn interest | * |
Accelerate post-secondary savings.
Registered Education Savings Plans (RESPs) are an excellent way to save for your child's post-secondary education. The RESP Growth Savings account offers a premium interest rate and is ideal for "parking" your money as you accumulate it or until you decide how you wish to have it invested.
Balance | Rate |
---|---|
No minimum balance required to earn interest | * |
A tax-efficient way to save for a first home.
The First Home Savings Account (FHSA) offers a tax-sheltered way to save for a first home purchase – contributions are tax-deductible and savings growth is tax-free.
Balance | Rate |
---|---|
No minimum balance required to earn interest |
Earn interest with access to your money.
If you are 59 or over, this account is ideal if you wish to earn interest on your funds but make occasional withdrawals. As a Golden client, you get 10 free transactions a month and you can access your money any time.
Balance | Rates |
---|---|
No minimum balance required to earn interest. | * |
Savings Package Service Charges | |||
---|---|---|---|
In-Branch | Regular | Golden | Youth |
Electronic | Regular | Golden | Youth |
Withdrawals | $1.25b | $1.25b | $1.25b |
Bill Payment - In branch | $1.25b | $1.25b | $1.25b |
Transfers (between BlueShore Financial accounts) | Free | Free | Free |
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $1.25b | $1.25b | $1.25b |
Withdrawals - Interac® ATM | $2.25 | $2.25 | $2.25 |
Withdrawals - Cirrus or U.S. EXCHANGE® ATM | $3.25 | $3.25 | $3.25 |
Point of Sale (in Canada) | $1.25b | $1.25b | $1.25b |
Bill Payment - Online | $0.70b | $0.70b | $0.70b |
Interac® e-Transfers (send, request money) | $1.00 | $1.00 | $1.00 |
Pre-authorized Payment Debits | $1.25b | $1.25b | $1.25b |
Cheque Clearing | N/A | N/A | N/A |
b May be counted as free transaction(s) as per package set-up.
Earn interest with access to your money.
This account is ideal if you are 18 and under and need a way to help you save for a goal, either short-term (maybe a new bike or cell phone) or long-term (a car, your education, even your own business!). You can access your money any time.
Balance | Rate |
---|---|
No minimum balance required to earn interest | * |
Savings package service charges | |||
---|---|---|---|
In-Branch | Regular | Golden | Youth |
Electronic | Regular | Golden | Youth |
Withdrawals | $1.25b | $1.25b | $1.25b |
Bill Payment - In branch | $1.25b | $1.25b | $1.25b |
Transfers (between BlueShore Financial accounts) | Free | Free | Free |
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM | $1.25b | $1.25b | $1.25b |
Withdrawals - Interac® ATM | $2.25 | $2.25 | $2.25 |
Withdrawals - Cirrus or U.S. EXCHANGE® ATM | $3.25 | $3.25 | $3.25 |
Point of Sale (in Canada) | $1.25b | $1.25b | $1.25b |
Bill Payment - Online | $0.70b | $0.70b | $0.70b |
Interac® e-Transfers (send, request money) | $1.00 | $1.00 | $1.00 |
Pre-authorized Payment Debits | $1.25b | $1.25b | $1.25b |
Cheque Clearing | N/A | N/A | N/A |
b May be counted as free transaction(s) as per package set-up.
Our team of experienced professionals are here to answer any questions you may have.
* Rates are subject to change without notice at any time.
**Rates are subject to change without notice. Interest is calculated per annum and paid monthly on the portion of the closing daily balance within the tier.
† Deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
Information about the First Home Savings Account is based on what is currently available from the Canadian government and can be subject to change.
Assets in an FHSA must be Qualified Investments under the Income Tax Act. If the FHSA holds non-Qualified Investments, it could be subject to tax.