setting the standard for superior services and local ... · interior savings i setting the standard...

Setting the standard for superior services and local expert advice.

Local Money forLocal Good

Investing over

$345millionin local projects

15 Commercial specialists ready to meet with you anywhere in the Thompson Okanagan region

Involved in projects all over BC

Projects range anywhere from $100,000 – $40 million

Heavy skill set in construction and real-estate projects

Interior Savings I Setting the standard for superior services and local expert advice

“Living and building our business in the same community you do gives us a unique local perspective, and a stake in the success of the place we call home. When our members succeed our communities grow and prosper. We’re proud to bring our expertise to the table to help local businesses thrive.” Kathy Conway President & CEO


The Interior Savings Advantage

Strengths:• Experienced knowledgeable Commercial Account Managers

• Our Account Managers know the local marketplace and how to best help you

• Our Account Managers are mobile and able to come to your workplace or sites

• Strong local reputation

Member Benefits• Access to flexible capital

• We understand your business

• Access to local market knowledge

• Rapid response


WhyBuilders Choose Interior Savings?

Okanagan Builders add:

• Jobs

• Infrastructure

• Economic growth

Interior Savings adds:

• What is good for the area is good for all

• We give back to the community

• We believe in Local money for Local good

We recognize: Our members say it best:

Chatham Homes and our

clients have had continual success in

working with Interior Savings Credit

Union. The process has always been

simple and smooth. We have had

multiple occasions where our clients

have had difficulties in working with

other banks or brokers, and upon our

referral to Interior Savings were able

to secure a mortgage that worked for

them.”

“

Mike Chatham, Chatham Homes Ltd.


OurOffer toBuildersAvailable to Builders of:

Condo/Town home ConstructionExtended mortgage rate holds for your buyer

Spec HomesBuilder managed holdbacks

Custom HomesCustomized draws

Land DevelopmentPre-sale flexibility

Native LandMortgage of lease

Residential BuyerMortgage applications, any time, any place

Who we are

COMMERCIAL SERVICES BRANCHES:

Kelowna Branch678 Bernard Avenue, Kelowna BC V1Y 6P3 Phone: (250) 469-6500 Fax: (250) 374-8861

Kamloops Branch202 - 350 Lansdowne Street, Kamloops BC V2C 1Y1Phone: (250) 851-2814 Fax: (250) 374-8861

Your business ideas are one of a kind – but there are tips, tools and learnings that we offer which can help speed up your success. Our Commercial Account Managers are mobile and will come to you – instead of you coming to us. We know it is important for you to spend your time building or managing your business – not spending your time banking.

We offer the convenience of online banking so you can manage your money online as you need, and we offer all the products and services you might only expect from a bank. Plus, because we are locally managed and operated you can expect quick turnaround times on the approvals you need. We offer experienced advice that is specific to your industry and market.

If you expertise lies outside the financial industry, check in with one of our Commercial Account Managers – take advantage of their know-how and all the financial solutions we can offer.


Local Money for Local Business

BankChecking & SavingsOnline BankingCredit CardsForeign ExchangePoints of SalePayroll

Plan & ProtectInsuranceEstate PlanningSuccession PlanningPhilanthropyFamily Governance

InvestTFSARSPRIFTerm Deposits Investment Products

FinanceLines of CreditLong-term LoansProject FinancingEquipment LoansLetters of CreditLeasing

Business Owner

Our business is helping your business, and other local businesses grow strong and stay strong. And while we’re home-grown, we’ve got world-class savvy when it comes to the financial support your business needs.

Your business is successful because you’re great at what you do. We understand how valuable your time is and can help you cut back on your administration with the following products and services:

We are full service



FinanceSolutions

Working Capital

• Operating funds, inventory & receivables funding

Long-term financing

• Land, buildings, equipment, companies

Construction financing

• Interest only

Municipal bond guarantees

• Letters of credit

Full Cash Management Services

Comprehensive, flexible, supportive


InsuranceCommercial

• Comprehensive Retail/Office Packages

• Comprehensive Contractor/Builder Packages

• Course of Construction

• Commercial General Liability

• Building Ownership

• Directors & Officers Liability

• Errors & Omissions

Want to learn more?https://www.interiorsavings.com/Insurance/Commercial/ Kelowna: 102 – 678 Bernard Avenue, Kelowna BC V1Y 6P3 · Phone: (250) 712-4045 Kamloops: 201 – 350 Lansdowne Street, Kamloops BC V2C 1Y1 · Phone: (250) 374-3536 ?

No matter what happens, we´ve got your back.

Full coverage for all your hard work. Commercial insurance doesn’t have to be complicated, but it should be comprehensive. At Interior Savings Insurance, you’ll find the expertise, products and advice you need to protect your investment.


InsurancePersonal

Want to learn more?Visit us online to find the nearest location to you with 16 branches to serve you: https://www.interiorsavings.com/Insurance/?

Everything from home to travel

Home

• Principal residence, vacation, rental property

New home builds

• Course of construction

Auto

• ICBC and Private

Toys

• ATV, motorcycle, snowmobile, RV

Travel

Even Wedding Insurance!


WealthManagement

Specialized Planning• We take the work out and give you the freedom to focus

on what’s important to you.

Understand Your Needs

• Discover where you are and where you want to be

Peace of Mind• Clear Action plan for tax efficiency, cash flow,

investments & retirement to meet your goals and dreams

Collaborate• Our extended wealth services team, which includes

highly accredited Estate and Insurance specialists

Want to learn more?https://www.interiorsavings.com/Financial/ Kelowna: 200 - 2071 Harvey Ave Kelowna V1Y 8M1 Phone: (250) 869-8336 · Toll-free: 1 (888) 828-4335Kamloops: 203-350 Lansdowne Street Kamloops, BC V2C 1Y1 · Phone: (250) 377-4937

?

The Value of Advice

Success is when our members feel confident they have the right plan in place to reach their goals.

A

B


Banking Personal

AdvisoryHonest advice from people who care

Financial Products• Chequing and savings accounts

• Overdrafts

• Credit cards

• Pre-authorized transactions

• Transfers

• Personal loans and mortgages

• Online, telephone, ATM, and in-branch banking

Local money for better lives is what we do best

Want to learn more?Visit us online to find the nearest location to you with 21 branches to serve you:https://www.interiorsavings.com/PersonalBanking/Or call 1 (855) 220-2580

?

Financial support that puts a skip in your step.We’re all about helping you meet your financial goals - whether it’s finding the right account, a super friendly advisor, or a mortgage that moves to your groove. Whatever you need from us, by banking locally you’re choosing to making your community better.


MobileMortgageSpecialists

Knowledgeable• Extensive industry experience

• Local market, builder, and development knowledge

Available• Outside regular business hours

• Meet you where it’s convenient

Win-Win Relationship• Builder secures a qualified buyer

• Buyer obtains competitive, timely, suitable financing

Your schedule, your location

Want to learn more?https://www.interiorsavings.com/MobileMortgages/Email: [email protected] Or call 1 (844) 841-4663 (HOME)?

Business Succession and Estate Planning

Doug McMechan CFP, CLUBusiness Succession and Estate Planning Specialist

T: (250) 869-8331 · C: (250) 317-4914E-mail: [email protected]

Planning today to help you achieve your goals for tomorrow.

Business Succession Planning is simply the process of determining how you are going to transfer your business ownership and transition out of a business management role, while maximizing your personal financial security.

• Sale or transfer to children

• When and where to hold corporate funds

• Family trusts

• Key person

Estate Planning includes goals to ensure that your estate assets go to your intended beneficiaries and minimize taxes.

• Capital Gains Tax

• Estate Equalization

• Shareholder agreements

As a business owner, you are busy running your company. Working with a specialist frees up your time to focus on your day to day operations.

Pre sale Flexibility

Simple & quick in-house draw process

Builder managed holdbacks without excessive reporting

Local decision making and extensive knowledge of the marketSpecial banking and

mortgage packages for your purchasers

Condo orTownhouseDevelopment

Flexible construction timeframes & terms

Finance up to 80% of project costs


Experienced lenders fully understand the draw process

Mobile Specialists available to visit job sites and answer questions outside normal business hours

Special banking and mortgage packages for your customers

Can deal directly with General Contractor for draws

Loan banking and mortgage packages for your customers

Custom Homes



Spec HomesExtended construction terms off ered

Builder´s manage their own holdbacksto Tradespeople

Simple & quick in-house draw process

Skilled Commercial Account Managers off er personal attention

Finance up to 80% of costs

Special banking and mortgage packages for your customers


LandDevelopers

Skilled advisors available to visit anywhere you need us to be

Work with your buyers through the financing process

Pre sale Flexibility

Understanding of your locationand project

Experience with Lease Land developments

Developers

KelownaCommercial ServicesInterior Savings Credit Union

654 Bernard Avenue

Kelowna, BC V1Y 6P3

Tel: (250) 469-6500

Fax: (250) 868-9127

E-mail: [email protected]

KamloopsCommercial ServicesInterior Savings Credit Union

202-350 Lansdowne Street

Kamloops, BC V2C 1Y1

Tel: (250) 851-2814

Fax: (250) 374-8861

E-mail: [email protected]

setting the standard for superior services and local ... · interior savings i setting the standard...

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