Savings account · Tru Cooperative Bank
Tru Cooperative Bank High Interest Savings @ Valley First: fees and true cost
Tru Cooperative Bank’s High Interest Savings @ Valley First lists 0.64% interest and no monthly fee. On $10,000 that’s about $64 a year before tax, at the posted rate.
CDICOffered in BC
Fees retrieved November 1, 2026
Mitey reads Tru Cooperative Bank’s High Interest Savings @ Valley First rate sheet: $64 a year on $10,000.
What interest does High Interest Savings @ Valley First from Tru Cooperative Bank pay?
High Interest Savings @ Valley First lists 0.64% interest with FCAC. On $10,000 that is about $64 a year before tax, with no monthly fee, #21 of 66 savings accounts offered in British Columbia by interest after fees. Eligible deposits are insured by CDIC up to $100,000 per category. Rates as listed on November 1, 2026; promotional rates may differ.
Is Tru Cooperative Bank High Interest Savings @ Valley First the best place for savings?
- Versus the top posted rate: on $10,000, 30 Day Notice Savings Account (EQ Bank, 3%) would pay about $236 more a year after fees.
- Or lock it in: a 1-year GIC at 3.75% (Oaken Financial, posted November 2, 2026) would earn $375 on $10,000, against $64 here — but the money is locked in for the year.
Interest at different balances
| Balance | Rate | Interest a year |
|---|---|---|
| $1,000 | 0.64% | $6 |
| $10,000 | 0.64% | $64 |
| $50,000 | 0.64% | $320 |
| Balance | Rate (annual) |
|---|---|
| $0 and up | 0.64% |
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| Included transactions | 1 a month |
| Debit purchase in Canada (beyond included) | $5.00 |
| Online or mobile bill payment | Not available |
| Interac e-Transfer | Not available |
| Online transfer between your accounts | $5.00 |
| Own-bank ATM withdrawal | $5.00 |
| Withdrawal at another institution’s ATM | $5.00 |
| ATM withdrawal in the United States | $5.00 |
| ATM withdrawal in other countries | $5.00 |
| Debit purchase in the United States | $5.00 |
| In-branch withdrawal | $5.00 |
| Bill payment in branch | Not available |
| Cheque (as a payment) | Not available |
| Mailed monthly statement | $2.00 |
| Non-sufficient funds (NSF) | Not stated |
| Overdraft protection, monthly | Not stated |
| Overdraft protection, per use | Not stated |
| Overdraft interest | Not stated |
Notes from the institution
FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Please verify current account details directly with the financial institution.
Is the money protected?
CDIC member. Eligible deposits are covered up to $100,000 per category at each CDIC member — see the deposit safety tool.
Other savings accounts at Tru Cooperative Bank
- High Interest Savings @ Envision Financial — 0.64% interest
- High Interest Savings @ Island Savings — 0.64% interest
- Savings First @ Envision Financial — 0.3% interest
- Savings First @ Island Savings — 0.3% interest
- Savings First @ Valley First — 0.3% interest
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · Tru Cooperative Bank’s product page
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