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GICs are a safe and secure way to grow your savings

We could all do with a little more financial certainty in our lives. And with a guaranteed investment certificate (GIC), your principal investment is locked down — guaranteeing a return.

Two ways to get up to 3.20%1 on an 18-Month Non-Redeemable GIC

  1. Deposit money from another financial institution then transfer to a new 18-Month Non-Redeemable GIC.
  2. Make a new contribution to a new or existing registered plan1 then invest in a new 18-Month Non-Redeemable GIC. This can count towards your RRSP contribution ahead of the March 2 deadline.

Hurry! This special rate of 3.20%1 on the 18-Month Non-Redeemable GIC is only available in-person or by call for a limited time.

Or call us at 1.844.517.7763

Looking for other GIC options?

Explore the various options for short or long-term savings. Plus some GICs offer the flexibility to redeem early if your plans change.

Learn more

GIC benefits

Guaranteed returns
Guaranteed returns

Understand exactly what you'll earn — your rate is locked in from day one.

Principal protected
Principal protected

Your initial investment is guaranteed protected.

No market volatility
No market volatility

Enjoy steady growth without the ups and downs of the stock market.

Only $500 to get started
Only $500 to get started

Dip your toe into investing with a low minimum deposit.

Win a $50,000 grand prize3

We’re rewarding members who take steps towards strong financial habits with automatic entries to win. So you can start 2026 stronger, and potentially $50,0003 richer.

3Contest rules apply.

Win a $50,000* grand prize

We’re rewarding members who take steps towards strong financial habits with automatic entries to win. So you can start 2026 stronger, and potentially $50,000* richer.

*Contest rules apply.

Let's explore your options together

1. Offers subject to change or termination at any time, without notice. A non-registered plan Guaranteed Investment Certificate (GIC) is eligible for the interest rate when opened with net new funds deposited with Coast Capital (i.e., funds deposited from outside Coast Capital using T2033 transfer, e-Transfer, cheque deposit, EFT, cash deposit, etc.). A registered plan GIC (i.e., GIC opened under a Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) or First Home Savings Account (FHSA) is eligible for the interest rate when opened with net new contributions into the applicable registered plan (i.e., funds deposited from outside Coast Capital or from other non-registered Coast Capital account(s)). GIC must be opened on or after January 5, 2026 to be eligible. For clarity, funds withdrawn within 90 days after January 5, 2026 and re-deposited with Coast Capital, or transferred from an existing Coast Capital deposit account or Worldsource Financial Management Ltd. account to another Coast Capital account are not considered new funds for the purposes of opening a non-registered plan GIC. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500. Eligible only for a GIC opened under a personal membership (not eligible for a GIC opened under a business membership). Eligible for non-registered, TFSA, RRSP, RRIF and FHSA. Rate holds are not eligible for the promotional offers. Offer must be completed with branch or Advice Centre advisors, offer is not available through digital banking.

2. 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.

3. The Coast Capital 2025 $50,000 Contest (the “Contest”) began on October 1, 2025 at 9:00 a.m. (Pacific Time) and ends on January 31, 2026, at 11:59 p.m. (Pacific Time). There is one (1) $50,000 CAD cash (the “Grand Prize”) remaining. Eligible appointments must be booked and attended by January 31, 2026. The Contest is only open to legal residents of Canada outside Quebec who are Coast Capital members in good standing and have reached the age of 19 as of the date of their participation. Current employees, directors, and officers of Coast Capital and its affiliates and each of their immediate family members (defined as a spouse, parent, child, sibling, and their respective spouses) are not eligible to enter this Contest. The odds of winning depend on the number of eligible entries received before the Contest closes. For more options to enter the contest, full rules and entry details.