Pooling for Increased Earnings

Higher interest rates. Anytime access to your funds. Simple sign up.

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Discover the Benefits

Harness the power of investment poolingHigher interest. Low service charges. 100 percent cash liquidity. And enrollment is easy.

Vancity and Coast Capital credit unions let BCNPHA members pool their operating accounts with other non-profit societies for better interest rates and higher earnings.

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

h2>Discover BCNPHA Member Benefits

Discover BCNPHA Member Benefits

A variety of programs and services.

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Program Benefits

What do Coast Capital and Vancity offer?Your PIE account is just that — yours. It is identified as “pooled for increased earnings,” but your society holds it independently.

Interest earned is credited monthly to each PIE member’s account(s). PIE is available to BCNPHA members located within Vancity and Coast Capital Savings service areas. Signing up is as easy as pie.

It’s your money

Enjoy easy daily access to your account with no notice or early withdrawal penalties

Preferential rates

Competitive monthly rates for participating societies based on the prime lending rate

Keep more of what’s yours

Low-to-no service charges from Vancity and Coast Capital Savings for participating non-profit societies

Come out ahead

Interest earned by non-profit housing societies often exceeds the annual cost of BCNPHA membership

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.