Pooling for Increased Earnings (PIE) Program

For many years the BCNPHA PIE Member Program has delivered outstanding value to BCNPHA members. PIE turns several non-profit society operating accounts into one large pool, making them eligible for better interest rates. The larger the total amount on deposit, the higher the interest rate. The extra interest earned by non-profit housing societies has often been worth far more than annual membership dues. Increased interest income combined with low service charges, 100% cash liquidity and a quick and simple participation process make PIE very attractive for non-profits.
The participating credit unions and BCNPHA partners, Vancity and Coast Capital, are actively involved in community initiatives and have an extensive history of working with the non-profit sector.
The collective Vancity pool is now over $85 million, as BCNPHA, the Co-operative Housing Federation of BC and the United Community Services Co-op work together to aggregate member accounts. PIE is available to BCNPHA members located within the Vancity and Coast Capital service areas.

Program Benefits

  • It’s your money – and it’s there when you need it! Your society will still have its independent accounts; they are simply identified as part of PIE. You will also continue to have easy day-to-day access to your money. PIE accounts have no notice requirements or early withdrawal penalties.
  • Unlimited Deposit Insurance: Each society’s deposits are guaranteed by the Credit Union Deposit Insurance Corporation of BC.
  • Monthly interest rate: The PIE rate paid to participating societies is based on the credit union’s prime lending rate, the total deposits in PIE and the percentage of interest paid to the credit union and BCNPHA. Interest earned is credited to each PIE member’s account(s) monthly.
  • Cost-effective service charges: Vancity and Coast Capital offer low service charges (or none) to participating non-profit societies.

How To Join

Get a piece of the PIE! To join, contact Jacqui Mendes, Director of Operations at, or call 778.945.2154; Toll free: 1.800.494.8859, Ext. 2154.