Business GICs (Guaranteed Investment Certificates)
Get low-risk returns for your business.
What is a business GIC?
A business GIC is a safe and secure way to grow your business’ savings. Putting funds away for a set amount of time guarantees that your business gets its initial investment back — plus earned interest — once the term is over.
Why a Coast Capital GIC could be right for you
- Your business is looking for short- to medium-term growth (30 days to seven years)
- You want a low-risk investment where the business is guaranteed to get its initial investment back
- You want to start with at least $500
- Your business is looking to build its portfolio
Featured business GICs
on a one-year term2 with our 1 Year Better Than Cash® GIC
- Redeemable after 6 months without penalty on interest payable
- Available as Non-registered accounts
- Check out our Help and Support Page for more information
Terms and conditions
† Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP and RRIF. Interest paid at maturity. No interest will be paid if you redeem this GIC within the first 6 months. Minimum redemption amount of $500 while maintaining the minimum investment amount. Rate holds are not eligible for the promotional offers.
CloseShort-Term GICs
With terms from 30 days to 12 months, they’re ideal for saving towards goals that are less than a year away. Most are redeemable GICs, which allow your business to withdraw its investment at any time, without penalty.
Featured rates
2.20%† | One-month term |
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2.50%† | Four-month term |
2.50%† | Nine-month term |
Terms and Conditions
† Rate subject to change or termination at any time, without notice. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500.
CloseEnjoy the flexibility to redeem this GIC anytime. Redeem after at least six months to keep accrued interest.
† Read terms and conditions.
Terms and Conditions
†Interest rates are calculated per annum and accrued daily. Minimum investment of $500. Interest paid at maturity. No interest will be paid if you redeem this GIC within the first 6 months. Minimum redemption amount of $500 while maintaining the minimum investment amount.
CloseEnjoy the flexibility to redeem this GIC after 30 days without penalty.
† Read terms and conditions.
Terms and Conditions
† Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis. Minimum investment of $500. Partial or full redemption allowed, no minimum redemption amount required while maintaining minimum investment of $500.
CloseLong-Term GICs
With terms from 12 months or more, ideal for investments that can be locked in for longer, but with a higher return.
Interest earned will be added to the principal investment amount each year, and as a result, your business will earn more interest.
† Read terms and conditions.
Terms and Conditions
† Rate subject to change or termination at any time, without notice. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500.
CloseFlexibility with a great return.
Featured rates
1.00%† | Months 1-8 |
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4.50%† | Month 9-16 |
2.75%† | The effective simple interest rate if held to maturity |
Terms and Conditions
† The effective simple interest rate if held to maturity is 2.75% when averaging 1.00% for the first 8 months and 4.50% for the second 8 months of the term. Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500. 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 while maintaining minimum investment amount of $500. No interest is payable if redeemed before 30 days.
CloseBenefit from compound interest and the choice to redeem your business’ money on each anniversary, without penalty.
† Read terms and conditions.
Terms and conditions
† Interest rates are calculated per annum and accrued daily. Minimum investment of $500. Choose interest to be paid annually (compounding) or annually (non-compounding). Partial or full redemptions allowed on the annual anniversary date of the GIC. Minimum redemption amount of $500 while maintaining the minimum investment amount. Redemption outside the designated anniversary date is strictly prohibited.
Close
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Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information
Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.