Rates | Coast Capital Savings

Rates

Here are today’s rates for mortgages, GICs, RRSPs and foreign exchange. Want any of the below rates? Phone our Advice Centre at 1.888.517.7000 or visit a Coast Capital branch.

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Featured Mortgage Rates		Rate effective 15-Jan-24
5-Year Variable High-Ratio	6.49% (6.51% APR)	6.49% (6.51% APR) 5
5-Year Fixed High-Ratio		5.79% (5.81% APR) 6
5-Year Variable		6.59% (6.61% APR) 3
5-Year Fixed		5.39% (5.41% APR) 1,2
Members Get It™ Mortgages Promotional 4-Year Fixed		2.990% 12

Prime Rate	Rate	Date of change
Coast Capital Prime	7.200%	13-Jul-23
Coast Capital US Prime	8.500% 6	27-Jul-23
Coast Capital US Base	9.000%	27-Jul-23

Overdraft Protection (ODP)	Rate effective 27-Jul-23
Overdraft Protection ( CA )	21%
Unauthorized Overdraft (CA)	Prime + 18%
Unauthorized Overdraft (US)*	27% (Coast Capital US Base + 18%)

* Please note that we do not offer Overdraft Protection for US currency accounts at this time.

Foreign Exchange Rate (Rates effective 17-Jan-24)	Member Buy	Member Sell
United Kingdom (Pound) - Cash	1.7969	1.6339
United States (Dollar) - Cash	1.3860	1.3160
Euro - Cash	1.5404	1.4007
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Mortgages	Rate effective 15-Jan-24
3-Year Fixed Rate - Closed	5.740% 3
5-Year Variable Rate - Closed (Up to 25 Year Amortization)	6.590% 1
5-Year Fixed Rate - Closed	5.390% 3
5-Year Fixed Rate - You're the Boss™	4.200% 3
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VISA Desjardins Credit Cards
Low Rate Modulo GOLD	11.9%
Travel Odyssey GOLD	19.9%
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GICs/Term Deposits	Rate effective 18-Sep-23
17-Month Non-Redeemable Term Deposit - New money to Coast Capital only	2.400%
40-Month TFSA Non-Redeemable Term Deposit - New money to Coast Capital only	0.000%
40-Month TFSA Non-Redeemable Term Deposit	0.000%
1-Year Redeemable GIC	3.000%
1-Year Park-it RRSP Term Deposit - Also available for purchase as RIF and TFSA registered accounts	3.250%
1-Year Better Than Cash® GIC	4.000%
Long Term 1-Year Term Deposit	5.000%
19-Month Non-Redeemable Term Deposit	7.000%
3-Year Convertible Term Deposit	0.000%
See more rates...

Personal Loans
1-5 Year Personal Loan	9.09% Interest Rate \| 9.09% APR 8
Interest rates on personal loans vary based on the application. For more information on rates, call us at 1.888.517.7000, or visit a Coast Capital Savings branch.

All rates subject to change without notice.

Initial interest rate and the APR on a 5-year variable, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
For residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. Interest rates subject to change without notice.
Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR.
For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR.
Not for US dollar loans in Canada.
For new residential first mortgages only. Interest rate and approval based on risk profile. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase. Interest rate subject to change without notice.
APR calculation is based on a $20,000 variable rate loan at a 5 year term, assuming no additional cost of borrowing charges. The APR assumes that the interest rate does not vary over time.