Investments

Investment Products

Members get friendly help finding the right investments.

No matter what stage of investing you’re in, our accredited Investment Team can help – whether you’re just getting started, a seasoned investor or somewhere in the middle.

How you invest is actually more important than how much you invest. That’s why we’ll take the time to understand your unique goals and needs and use the range of tools and investment solutions like the ones found here, to make sure your money is working as hard as possible to meet your goals.

Our Investment Team can help with:

  • Investment planning
  • Retirement planning
  • Education planning
  • Tax planning
  • Estate planning
  • Life insurance

The Low-fee, More-for-me Mutual Funds®

Our family of mutual funds gives you more of what you want: conservative management, simplicity and affordability.

  • Lower management expense ratio fees
  • Conservative fund management
  • Simple and flexible to fit your investment goals, life-stage and risk tolerance
  • Start with a $50 monthly contribution or a minimum investment of $1,000
  • Broad selection of investment choices
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Learn more Read the not-so-fine print

Disclosure

The Low-fee, More-for-me Mutual Funds® are managed by SEI Investments Canada Company. Worldsource Financial Management provides mutual funds and services. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses all may be related with mutual fund investments. Please read the Fund Facts carefully before investing.

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Rising Rate Term Deposit

Benefit from compound interest and the flexibility of redeeming your money on each year anniversary without penalty.

1.15 %1 Year 1
1.25 %1 Year 2
3.00 %1 Year 3
  • 3 or 7 year terms available
  • Only $1,000 to get started
  • Choice of earning compound or annual interest
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
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Term Deposits
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Disclosure

  1. Interest rates are subject to change without notice and are calculated on a per annum basis.

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Safe Bet, No Sweat
Market-Linked
Term Deposit

Tap into the stock market with this term deposit where the return is based on the performance of an underlying market index1.

  • 3 or 5 year terms available
  • Potential to earn higher returns linked to stock market performance
  • Principal investment protected
  • Only $500 to get started
  • Global Diversified Term Deposit, so you can invest two ways
  • Available in Non-registered and Registered Account such as an RRSP or TFSA
Learn more Read the not-so-fine print

Disclosure

The variable return can only be known at maturity, and may be 2.50% for the 3 year term or nil for the 5 year term. These investments cannot be transferred or redeemed and we will not pay any interest or principal before maturity. Terms and conditions apply.

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Non-Redeemable
Term Deposits

You'll get our best rate no matter how much money you have to invest.

1.20 %1 1-year term
  • 1 month to 5 year terms
  • Have the interest paid out annually or enjoy compound interest
  • Only need $1,000 to get started
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • View our current Term Deposit Rates
1.35%1 15-month term
1.50%1 18-month term
1.30%1 2-year term
1.75%1 3-year term
View all rates
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Term Deposits
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Disclosure

  1. Interest rates are subject to change without notice and are calculated on a per annum basis.

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Better Than Cash®
Term Deposit

A flexible term deposit that pays like a locked-in rate, but it's redeemable with interest after October 1, 2017.

1.00 %1 1-year term
  • Minimum $500 investment
  • Redeemable with interest starting October 1, 20172
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Talk to us about
Term Deposits
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Disclosure

  1. Interest rates are subject to change without notice and are calculated on a per annum basis.

  2. GIC can be redeemed anytime but with no interest if redeemed prior to October 1, 2017.

Better-than-cash term deposit opened before April 1, 2017 can be redeemed with interest on a different date. Contact us for details.

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1-Year Redeemable
Term Deposit

The 1-Year Redeemable term deposit is our most flexible term deposit.

0.75 %1 1-year term
  • Redeemable with full accrued interest any time after 30 days
  • Only need $1,000 to get started
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Talk to us about
Term Deposits
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Disclosure

  1. Interest rates are subject to change without notice and are calculated on a per annum basis.

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Additional Mutual Funds

Through our preferred partners SEI, Fidelity, NEI, CI and Guardian Capital, we offer a number of professionally managed and reputable mutual funds.

  • Not locked in, so you can buy or sell mutual funds at any time
  • Most mutual funds have a minimum investment of $1,000
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Many other mutual fund brands can be transferred for consolidated fund management
Talk to us about
Mutual Funds
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D Disclosure

Coast Capital Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to life insurance, segregated funds and annuities. Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Park-it RRSP
Term Deposit

So you need to make an RRSP contribution, like, today. But you don't have the time to make an investment decision. Get our Park-it RRSP.

1.15 %1 1-year term
  • Only need $1,000 to get started
  • One time option to re-write to another Coast Capital Savings term or mutual fund
  • Get a tax receipt right away and decide on your long-term investment later
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Term Deposits
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Disclosure

    Interest rates are subject to change without notice and are calculated on a per annum basis.

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Segregated Funds

Segregated funds are long-term investments that guarantee 75% to 100% of your original investment no matter how the markets perform.

  • Guarantee and original investment protected in the event of death
  • Sell at any time at current market value
  • A mutual fund with insurance guarantees
  • Used as a valuable estate planning tool particularly for business owners who want to protect investment assets from creditors
  • Assets transfer to beneficiaries without probate fees
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Segregated Funds
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Disclosure

Coast Capital® Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities.

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Annuities

This retirement income option provides you with a stream of payments, with just a single investment from either registered or non-registered savings.

  • Payments are determined based on age, interest rate, initial investment and length of time guaranteed
  • The first $2,000 of income each year qualifies for a Federal Pension Income Tax Credit
  • A joint and last survivor annuity will guarantee payments through the lives of both spouses
  • For registered funds, payments are taxed as income in the year that they are received. For non-registered funds, only a portion of each payment is taxed each year
Talk to us about Annuities Read the not-so-fine print

Disclosure

Coast Capital® Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities.

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Need a hand?

Our experienced Investment Team can help plan the right solutions for your financial goals.
Talk to our Investment Team

Worldsource Financial Management

Worldsource logo

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Register for Worldsource View

Meet Rochelle Latimer, CFP.

She's just one of our Certified Financial Planners® available to help you reach your financial goals. Our Financial Planners can develop financial solutions to help ensure you save for the future while living well today, whether you're planning your retirement, your child's education, or looking for ways to protect your family or business from the unexpected.

Our Investment Team is here to help:

  • Insurance Advisors can come to you at a time convenient for you. They can also help with Life, Critical and Disability Insurance and Segregated Funds
  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations
Financial planner

Ready to invest?

Our accredited Investment Team can help you figure out the best financial plan for your goals.
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm

Talk to our Investment Team Find a branch

Coast Capital® Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities.Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.