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Email this2:48 pm
August 16, 2022
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Has anyone dealt with Envision financial? I believe they are out of B.C. They have a 4.77% high interest account offer until March 31st, 2025. Can you link your bank account to make deposits into this account? Any charges cashing out, etc? Thanks
3:43 pm
January 12, 2019
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I've never heard of them, but they might be worth looking into!
.
Something to research this weekend. 
- Dean
" Live Long, Healthy ... And Prosper! "
7:46 pm
September 28, 2023
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If you are in the interior Dean, check out Valley First. They will have closer branches if needed, and should have the same offers as Envision because they are both divisions of First West CU.
Their regular savings rate is uncompetitive, this offer is great but only lasts for just over 3 months. If you live near a branch, its worth keeping their free chequing account open for the few times teller services are needed (I daily bank with an online only FI).
9:01 am
January 12, 2019
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.
Thanks for the tip ⬆ Everhopeful !
Unfortunately, they have no branches in the West Kootenay area (a.k.a. 'The Sticks').
First West CU branches are in the Okanagan and Similkameen valleys ... several hours away from me. 
- Dean
" Live Long, Healthy ... And Prosper! "
3:02 pm
December 12, 2009
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Envision Financial is just a brand name, used by First West Credit Union in the Lower Mainland. Keep in mind they are in the late stages of federal continuance, which could come from any day now to, perhaps, the spring 2025.
When that happens, it will basically be Vancity sustaining the B.C. credit union system.
Cheers,
Doug
4:31 pm
September 28, 2023
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Blueshore, Beem and Prospera are also major players in the BC CU market, I don't worry about the sustainability of the provincial system with Coast Capital and First West going federal. I do expect many of the little local credit unions (<5 branches) to merge together or with larger players, as they will struggle to make the IT investments in their digital transitions all separately.
2:54 am
November 18, 2017
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Blueshore has been bleeding red ink for over a year. They are in the process of merging with Beem, who have not exactly been on a tear either. It remains to be seen how they'll do.
Credit unions in BC have in the past been able to offer members better deals than banks. The spate of virtual banks has been eating their lunch now, and I wonder if the CU movement has a future - they're all cutting back on features in an attempt to compete. More fees, no more free statements mailed, registered product transfer fees and the like...
RetirEd
10:06 am
December 16, 2020
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Envision Financial started out as First Heritage Savngs back when I started investing in Real Estate in the 80's. They offered great local Fraser Valley service to the community.
I currently still have 2 term deposits with them at above market rates. I'm very sad to see them go (any day now) towards Federal CU and the 100K CDIC maximum. Of course any current term holders are grandfathered at unlimited insurance until end of their terms.
They are the closest thing to Hubert here in BC that I have encountered, but, like most everything else, the pace of change and population growth has impacted their down home vibe too.
2:39 pm
December 16, 2020
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Moneyman2
RE: Has anyone dealt with Envision financial? I believe they are out of B.C. They have a 4.77% high interest account offer until March 31st, 2025. Can you link your bank account to make deposits into this account? Any charges cashing out, etc? Thanks
- - - ->
I don't see that 4.77%, 3 month term deal posted on their site. Must have come and gone pretty quickly or they really want your business:
https://www.envisionfinancial.ca/invest/term-deposits
I'd suggest you call them.
1-888-597-6083
3:07 pm
April 6, 2013
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The 4.77% on new money in High Interest Savings account for three months is still there: High Interest Savings Bonus
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