INVESTMENTS

Term Deposits/GICs

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Business members get control of their investments.

Looking to make business investments? Our Investment Team will take the time to understand your situation and use the right range of tools and personalized investment solutions to help you meet your goals. Because your business is our business.

Our Investment Team can also help with:

  • Tax Planning
  • Investment Planning
  • Group Benefits
  • Retirement planning

Safe Bet, No Sweat™
3-Year Market-Linked Term Deposit

Guarantee your principal investment and earn up to 2.28% based on stock market performance.

  • Earn a minimum of 0.33% and a maximum of 2.28%
  • Interest is compounded annually and paid at maturity
  • Only $500 to get started
  • No commissions or management fees
  • Available in Non-registered and Registered Account such as an RRSP or TFSA

Call 1.844.517.7763

1-Year Better Than Cash® Term Deposit

A flexible term deposit/GIC that pays like a locked-in rate, but it's redeemable after 6 months without penalty on interest payable.

0.60 %

  • Redeemable after 6 months without penalty on interest payable
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Open a term deposit using your Coast Capital app
  • Check out our Help and Support Page for more information
Read the not-so-fine print

Disclosure

Term deposit rates subject to change without notice. Term deposit in an amount of $250,000 or greater is eligible for a promotional Offer rate of 1.20%. Offer available through Online Banking, Contact Centre or in branch. Rate holds are not eligible for the promotional Offer. Coast Capital Savings Federal Credit Union reserves the right to terminate the Offer at any time.

Term deposit is eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions. Individuals are responsible for understanding their own CRA contribution limits in registered investment vehicles. Term deposit is redeemable after 6 months without penalty on interest payable.

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Non-Redeemable Term Deposits

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

0.70% % 1 1-year-term
  • 1 month to 5 year terms
  • Have the interest paid out annually or enjoy compound interest
  • Only need $500 to get started
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • View our current term deposit rates
Read the not-so-fine print

Disclosure

  1. 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; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

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15-Month Non-
Redeemable Term Deposit

Get a high return on a shorter-term commitment.

0.90 % 1
  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started
Read the not-so-fine print

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.



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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.

0.55 % 1
Year 1
0.65 % 1
Year 2
1.25 % 1
Year 3
  • Only $500 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
Read the not-so-fine print
Disclosure

1. Subject to change without notice at any time. Interest rates are calculated on a per annum basis.
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1-Year Redeemable Term Deposit

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

0.40 % 1 1-year term
  • Redeemable with full accrued interest any time after 30 days
  • Only need $500 to get started
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Read the not-so-fine print

Disclosure

  1. 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; eligible for non-registered, TFSA, RRSP, RRIF, and RESP contributions.

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Safe Bet, No Sweat™ Market-Linked Term Deposit

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

  • 1, 3 or 5 year term available
  • Potential to earn higher returns linked to stock market performance
  • Principal investment protected
  • Interest is compounded annually and paid at maturity
  • Only $500 to get started
  • No commissions or management fees
  • Choose from a globally diversified or Canadian financial services term deposit
  • Available in Non-registered and Registered Account such as an RRSP or TFSA
  • View current and past offers

Read the not-so-fine print

Disclosure

The variable return can only be known at maturity, and may be 1.60% for the 1 year term, 3.00% 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; maximum annual returns are compounded annually. Terms and conditions apply. The data provided is for informational purposes, and past performance is not necessarily indicative of future returns.

On January 2, 2018, Agrium Inc. (AGU CT) and Potash Corporation of Saskatchewan (POT CT) merged to form the new company Nutrien Ltd (NTR CT). This event requires an adjustment of the performance monitoring for both the 3 year and 5 year Safe Bet, No Sweat term deposit products issued between August 19, 2016 and February 21, 2017 inclusive. The two former companies, AGU and POT, were replaced by the new company NTR at the opening of markets on January 2, 2018. The respective performances of AGU and POT will apply to the new company, with adjustment factors for the calculation of the performance as follows:

- For AGU CT, the adjustment factor by which the starting price must be multiplied is 0.44843 (1 / 2.23)

- For POT CT, the adjustment factor by which the starting price must be multiplied is 2.5 (1 / 0.4)

For additional information, please phone our Contact Centre at 1.888.517.7000.

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Our experienced Investment Team can help to plan right solutions for your financial goals.
Financial planner Financial planner

Meet Ben Behseta, CFP.

He'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:

  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations

Meet Ben Behseta, CFP.

He'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:

  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations

Additional services available with any business account.

Deposit at thousands of ATMs
Canadian coin, cash, and cheques are instantly credited to your account 24/7 at any of our branches. Envelope deposits can be made at any ATM on THE EXCHANGE® Network.
Business Overdraft Protection
Cover off your businesses' chequing account between deposits with overdraft protection. You'll only get charged interest if you use it.
Coast Online® Banking for Small Business
Pay bills, make transfers or check and manage accounts anytime, anywhere. You can view both personal and business accounts in the same log in and more helpful features. 
Pay Business Taxes
With this convenient and cost-effective cash management online service, you can automatically deliver or receive payments to and from accounts held at other financial institutions.
Deposit On-the-go
Use your Coast Mobile® App to make deposits by simply snapping a photo of a cheque.
INTERAC® e-Transfer
Send or receive money to and from other financial institutions within Canada. All you need to send money is the recipient's mobile phone number or email address.

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Want some help?
Our accredited Investment Team can help you figure out the best financial plan for your goals.
Call us at 1.888.517.7000 Mon-Fri, 8am-5:30pm

CDIC Deposit ProtectionCDIC Deposit Protection

Coast Capital Savings Federal Credit Union is a member of the CDIC.


Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

Coast Capital Savings Federal Credit Union is a member of the CDIC. For information on changes to deposit insurance and the transition period, see our Statement of Transitional Coverage