A guaranteed return, always.

GICs

Secure a worry-free investment and a great rate.

Get a good return, while being a good neighbour.

As we all cope with the impacts of COVID-19, we’ve set up a term deposit that allows our members to invest safely and with peace of mind. Enjoy the benefits of a guaranteed, worry-free investment at a competitive rate, while giving back to your community. For every Online Exclusive term sold, we will add $250 to the new Coast Capital Community Relief Fund, up to $400,000, to support communities and small businesses most in need due to COVID-19. To help flatten the curve, this offer is only available online, so there is no need to visit a branch.

16 Month Flex GIC

Enjoy the flexibility to redeem your investment anytime, with interest, payable after the first 30 days. Plus, get an interest rate that increases after just 8 months. With a guaranteed return, the longer you stay the more it pays.

1.50%¹

1-8 Months

7.00%¹

9-16 Months

Call 1.888.517.7000 or book an appointment online today.

BOOK APPOINTMENT

Rising Rate GIC

Benefit from compound interest and the choice to redeem your money on each anniversary without penalty.

4.00%²

Year 1

4.20%²

Year 2

4.30%²

Year 3

Book appointment

3 Year Market-Linked GIC

Tap into the stock market with this GIC where the return is based on the performance of an underlying market index.

0.00%³

Min

34.92%³

Max

BOOK APPOINTMENT

Features and Benefits

Only need $500 to get started
Available in Non-registered, RRSP, and TFSA
Guaranteed principal and interest
Available for personal and business members
For every term sold, we will add $250 to the Coast Capital Community Relief Fund, up to $400,000.
Available exclusively through Coast Mobile App or Online Banking; no need to visit a branch.
CDIC eligible
Terms and conditions apply

Already a member?

Sign into Online Banking to get this offer.

See step-by-step guide for more details.

Features and Benefits

Only need $500 to get started
Available in Non-registered, RRSP, and TFSA
Guaranteed principal and interest
Available for personal and business members
For every term sold, we will add $250 to the Coast Capital Community Relief Fund, up to $400,000.
Available exclusively through Coast Mobile App or Online Banking; no need to visit a branch.
CDIC eligible
Terms and conditions apply

Already a member?

Sign into Online Banking to get this offer.

See step-by-step guide for more details.

15-Month Non-Redeemable
Term Deposit

Get a high return on
a shorter-term commitment.

Learn more

Only need $500 to get started
Available as RRSP, RIF, TFSA, RESP
Available for new and existing members

Guaranteed principal and interest
Non-registered term deposits available for 0.10% less
Available for personal and business members

Are you already a member?

You can sign into Online Banking to get this term deposit. Want to learn how? Click here.

                Sign in

Secured Savings

Avoid dipping into your savings account by securing your money.

Guarantee Return

Regardless of the circumstances, you’ll always get a return.

Competitive Rates

Enjoy the security of high-interest rates even if they drop again.

Flexibility

GIC available as RRSP, RIF, TFSA, RESP. Minimum deposit of $500.

Step 1

If you’re not a Coast Capital member, apply online (Personal Banking; Business Banking ).

Then, sign into digital banking.

Need a hand? We can help.

Step 2

In Digital Banking:

In the left hand menu, select ‘Products & Services’ and then ‘Open Account’.

Step 3

Select ‘Non-Registered GICs’ then select the product you’d like.

If the GIC is for your personal banking and you're interested in registered accounts, book an appointment below.

BOOK APPOINTMENT

Find a branch or ATM near you

Search by:

Advanced search options

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Let’s find the right GIC, together.

Our Investment Team will work with you to find the GIC that’s right for you and your goals.

Call us at 1.888.517.7000 Mon-Sat, 8am-8pm PT; Sun, 9am-5:30pm PT or book an appointment online.

Book Appointment

Book an appointment

Find a branch

Get 2 .40% interest rate

with our 2-Year term deposit.

For a limited time, get a bonus 0.10% on the 2.30% 2-year non-redeemable term deposit when investing in a registered term.

Only $500 to get started
Guaranteed 2.40% interest rate on registered terms or 2.30% on Non-registered terms.
Available in Non-Registered and Registered Accounts such as an RRSP, RRIF, RESP or TFSA

Call us at 1.844.517.7763 to get started.

Get 2 .40% interest rate

with our 2-Year term deposit.

For a limited time, get a bonus 0.10% on the 2.30% 2-year non-redeemable term deposit when investing in a registered term.

Only $500 to get started
Guaranteed 2.40% interest rate on registered terms or 2.30% on Non-registered terms.
Available in Non-Registered and Registered Accounts such as an RRSP, RRIF, RESP or TFSA

Call us at 1.844.517.7763 to get started.

*Terms and Conditions

* Offers subject to change without notice at any time. Interest rates are calculated annually and accrued daily. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions. Better-than-cash Term deposit is redeemable after 6 months without penalty on interest payable.

Term deposit rates subject to change. Rate holds are not eligible for the promotional offers. Coast Capital Savings Federal Credit Union reserves the right to terminate the Offer at any time.

Minimum investment of $500 required.

Terms & Conditions

1. Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500 ($250 for junior accounts). Choose interest to be paid every 8 months (compounding) or every 8 months (non-compounding). Partial or full redemptions allowed, subject to the minimum redemption amount of $500 ($250 for junior accounts) while maintaining minimum investment amount of $500 ($250 for junior accounts). The effective simple interest rate if held to maturity is 4.25% when averaging 1.50% for the first 8 months and 7.00% for the second 8 months of the term. No interest is payable if redeemed before 30 days. Rate holds are not eligible for the promotional offers.
2. Offered rates subject to change at any time, without notice. Interest rates are calculated per annum, accrued daily. Choose interest to be paid annually (compounding), annually (non-compounding), or monthly (non-compounding). No interest will be paid if the GIC is redeemed within the first 6 months. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP, and RRIF.
3. Variable return can only be known at maturity and may be 34.92% (10.50% per annum) for a 3 year market-linked GIC. These investments cannot be transferred or redeemed and we will not pay any interest or principal before maturity; maximum annual returns are compounded annually. Terms and conditions apply. Not available to purchase through online banking, please call us to purchase 1.844.517.7763. For additional information, please phone our Advice Centre at 1.888.517.7000.

20-Month Non-Redeemable Term Deposit

You'll get a great rate no matter how much money you have to invest.

1.95% interest rate²
Only need $500 to get started
Available as non-registered, RRSP, RIF, TFSA, RESP

Get started

1-Year Better Than Cash^® Term Deposit

A flexible term deposit/GIC that pays like a locked-in rate, but it's redeemable with interest after March 1, 2020.

1.35% interest rate²
Redeemable with interest starting March 1, 2020¹
Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA

Get started

4.90% †

Available in Registered Accounts such as an RRSP, RIF, RESP or TFSA
Only need $500 to get started
Non-redeemable prior to maturity

† Read terms and conditions

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.

4.90% †

Available as RRSP, RIF, TFSA, RESP
Only need $500 to get started
Non-registered term deposits available for 4.60 %

Connect with us

† Read terms and conditions

Terms & Conditions

1. Offers subject to change without notice at any time. Interest rates are calculated annually and accrued daily. Minimum investment of $500; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

Term deposit rates subject to change. Rate holds are not eligible for the promotional offers. Coast Capital Savings Federal Credit Union reserves the right to terminate the Offer at any time.

Minimum investment of $500 required.

$21 monthly fee
$10.50 monthly fee for members age 59+
No monthly fee with a minimum monthly balance of $5,000
Unlimited free transactions¹
Free withdrawals and deposits at 4000+ ding free® ATMs across Canada
8 free withdrawals at non-ding free® ATMs (in Canada and abroad)²
Free personalized cheques
Free eStatements or paper statements
Earn interest
Free Canadian and International bank drafts
Additional mortgage and investment benefits
Overdraft Protection available³

Apply Online

† Read terms and conditions

Terms & Conditions

Transactions include cheques, Coast Capital Savings® and EXCHANGE Network ATM withdrawals, Interac® Direct Payment, preauthorized payments, Coast-by-Phone® bill payments, Coast Online® Banking bill payments and in-branch withdrawals, transfers and bill payments. Deposits and self-serve (Coast Capital Savings® ATM, Coast-by-Phone® and Coast Online® Banking) transfers are free.
Additional network ATM transactions are subject to the fees listed. Surcharges from other financial institution ATMs are excluded.
Overdraft limits are subject to qualification. Monthly fee applies where overdraft is used.

For more information, see our full list of service fees.

$11 monthly fee (waived if you’re 59+ years old)
40 day-to-day transactions per month†
Free personalized cheques
Free Canadian office cheques and US bank drafts
$10 off annual safety deposit box rental fee
Free eStatements or paper statements
Sending an e-Transfer $1.50 each, receiving e-Transfers is free
Click here for service fees
Download our account guide

† Read terms and conditions

Terms and Conditions.

† Transactions include cheques drawn on the account, Coast Capital ® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital accounts), and withdrawals (in-branch/self serve). Deposits and electronic transfers (between Coast Capital accounts) performed via Coast Capital ® ATM, Coast-by-Phone®, and Coast Capital digital banking are free and unlimited.

Get started today.

Offers so good, you can't turn them down.

Book an appointment

Find a branch

Want to learn all about term deposits? Click here.

Sit back and watch your money grow.

Financial Institution	Posted 2-Year GIC Rate
Coast Capital Savings	2.40%
Tangerine	2.20%
Canadian Western Bank	2.19%
Simplii Financial	2.18%
Vancity	2.00%
RBC	1.70%
CIBC	1.70%
Envision Financial	1.70%

Stuff we have to say.

*Term deposit rates subject to change. Advertised rate includes an additional 0.10 percentage points per annum, subject to purchasing either an 15-month non-redeemable term deposit or 2-year non-redeemable term deposit within one of the following registered investment vehicles: RRSP, RIF, RESP or TFSA. Individuals are responsible for understanding their own CRA contribution limits in registered investment vehicles. Offer only available through Contact Centre or in branch. The bonus 0.10 percentage points will be added to the posted rate of the promotional product for the full amount of the term deposit. Rate holds are not eligible for the promotional offers. Coast Capital Savings Federal Credit Union reserves the right to terminate the Offer at any time.

Minimum investment of $500 required.

A guaranteed return, always.

Business members get control of their investments.

Get a good return, while being a good neighbour.

Take your mind off the markets and focus on what matters to you.

Features and benefits

Features and benefits

Features and Benefits

Step-by-Step Guide

Find us at your nearest branch.

Like what you see? Here's more.

Get 2 .40% interest rate

with our 2-Year term deposit.

Get 2 .40% interest rate

with our 2-Year term deposit.

More sweet term deposit/GIC offers.

Lock in great rates before the RRSP deadline on March 2 .

15 Month Non-
Redeemable GIC

2-Year Non-
Redeemable Term Deposit (Registered)

Coast Chequing ^® Prestige Package

Coast Chequing® Classic Account

Get started today.

Ready to invest?

Sit back and watch your money grow.

A guaranteed return, always.

Business members get control of their investments.

Get a good return, while being a good neighbour.

Take your mind off the markets and focus on what matters to you.

Features and benefits

Features and benefits

Features and Benefits

Step-by-Step Guide

Find us at your nearest branch.

Like what you see? Here's more.

Get 2 .40% interest rate

with our 2-Year term deposit.

Get 2 .40% interest rate

with our 2-Year term deposit.

More sweet term deposit/GIC offers.

Lock in great rates before the RRSP deadline on March 2 .

15 Month Non-Redeemable GIC

2-Year Non-Redeemable Term Deposit (Registered)

Coast Chequing ® Prestige Package

Coast Chequing® Classic Account

Get started today.

Ready to invest?

Sit back and watch your money grow.

15 Month Non-
Redeemable GIC

2-Year Non-
Redeemable Term Deposit (Registered)

Coast Chequing ^® Prestige Package