Pooling for Increased Earnings (PIE)

An attractive option for Non-Profit Societies to invest in and enjoy higher interest rates on your investments, cash liquidity and a quick enrollment process.

BCNPHA has partnered with Vancity and Coast Capital credit unions to provide BCNPHA members opportunities to increase their earnings by pooling their operating accounts into one large pool with other non-profit societies, making your society eligible for better interest rates. Increased interest income combined with low service charges, 100 percent cash liquidity and a quick enrollment process make PIE a great choice!

The collective Vancity pool is now over $400 million, with BCNPHA, the Co-operative Housing Federation of BC and Realize Co-op working together to aggregate member accounts.


How it Works

  • Your society maintains its independent accounts; they’re simply identified as PIE.
  • Interest earned is credited to each PIE member’s account(s) monthly.
  • PIE is available to BCNPHA members located within the Vancity and Coast Capital service areas.
  • One email signs you up! No mandate changes necessary.


Program Benefits

Easy daily access to your account(s) money with no notice requirements or early withdrawl penalties.

Competitive monthly interest rates for PIE participating societies based on the credit union’s prime lending rate.

Low service charges (or none) provided by Vancity and Coast Capital to participating non-profit societies.

The extra interest earned by non-profit housing societies has often been worth far more than annual cost of BCNPHA membership dues.

The PIE program has allowed Victoria Cool Aid Society to earn interest about what the chartered banks were willing to provide for fixed-income investments. Because the funds are accessible at any time, it has allowed Cool Aid to hold a higher operating cash balance than if the funds were locked in, also helping us earn a higher income. This income, which is unrestricted, supports important staff development and appreciation initiatives.


PIE program at Coast Capital Savings


PIE program at Vancity


PIE program Vancity Intake Form



For more information, download the program brochure or contact programs@bcnpha.ca.

Related Links

Helpful info you need to support your work in BC’s non-profit housing sector.

Become a Member

BCNPHA membership opens the door to education, networking and financial savings that support your organization and strengthen the sector.

Learn More