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Get up to $10,000 when you transfer your investments to Coast Capital.*

Book an appointment with one of our Wealth Advisors today to learn more. *Conditions apply.

Why could a Coast Capital GIC be right for you?

  • You're looking for short to medium-term growth (30 days to 7 years)
  • You want a low-risk investment where you're guaranteed to get your initial investment back
  • You want to start with at least $500
  • You're looking to build your portfolio, either in a registered plan Any account that is not in a registered plan. like TFSA or RRSP, or a non-registered account.

Featured GICs

Here's a list of some of our most popular GICs

Special Offer: 90 Day Non-Redeemable Registered GIC
Get a high return on a shorter-term commitment.
6.25%

  • Available only in RRSP and TFSA
  • Only need $500 to get started
  • Non-redeemable prior to maturity
  • Only available at a Coast Capital branch or Advice Centre
  • Not available for purchases using funds from Coast Capital registered account(s)
Call 1.888.517.7000 today.
† Read terms and conditions.

Terms and Conditions.

† The effective interest rate is based on a bonus interest rate of 2.25% applied to the posted rate, which is 4% as of January 10th, 2024 at 12:01 AM PST. The bonus interest rate will only apply to a 90-day Registered GIC purchased (a) by using funds from a participating member’s non-registered account(s) at Coast Capital or any other registered or non-registered account(s) from any other financial institution, (b) under a participating member’s RRSP or TFSA plan at Coast Capital, and (c) through a Coast Capital branch or Advice Centre. For clarity, the bonus interest rate will not apply to a GIC purchased (a) by using funds from a participating member’s registered account(s) at Coast Capital, (b) under a participating member’s RESP, RRIF, RDSP, or FHSA account at Coast Capital, or (c) through Coast Capital online banking. Offer available from January 10th, 2024 at 12:01 AM PST to February 29th, 2024 at 11:59 PM PST. Offer subject to change or termination at any time, without notice. Interest rates are calculated per annum and accrued daily. Minimum investment of $500. Rate holds are not eligible for the promotional offer.

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1 - 5 Year Non-Redeemable GIC
Featuring 16 month term at
5.00% %

  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Only need $500 to get started
  • Non-redeemable prior to maturity.
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.

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16 Month Flex GIC
Flexibility with a great return. 5.00%.
4.00%
1 - 8 Months
6.00%
9 - 16 Months

  • Redeemable with interest after 30 days
  • Enjoy a guaranteed return where the longer you stay, the more it pays
  • Available in Non-registered only
  • Only need $500 to get started
Call 1.888.517.7000 or book an appointment online today.
† Read terms and conditions.

Terms and Conditions.

† The effective simple interest rate if held to maturity is 5.00% when averaging 4.00% for the first 8 months and 6.00% 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 ($250 for junior accounts). 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 ($250 for junior accounts) while maintaining minimum investment amount of $500 ($250 for junior accounts). No interest is payable if redeemed before 30 days. Rate holds are not eligible for the promotional offers.

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3 Year Non-
Redeemable GIC
Get a high return on a shorter-term commitment.
4.40%

  • Available in Registered Accounts such as an RRSP, RIF, RESP, TFSA or FHSA
  • Only need $500 to get started
  • Non-redeemable prior to maturity
† Read terms and conditions.

Terms and Conditions.

† Offers subject to change or termination, without notice, at any time. Interest rates are calculated annually and accrued daily. Rate holds are not eligible for the promotional offers.

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Market-Linked GIC
Tap into the stock market with this GIC where the return is based on the performance of an underlying market index.†

  • 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​
  • Available in Non-registered and Registered Account such as an RRSP or TFSA
  • Non-redeemable prior to maturity
† Read terms and conditions.

Terms and Conditions.

† The variable return can only be known at maturity. These investments cannot be transferred or redeemed and will not pay any interest or principal before maturity. Product specific terms and conditions apply.

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Rising Rate GIC
Benefit from compound interest and the choice to redeem your money on each anniversary without penalty.
4.00%
Year 1
4.20%
Year 2
4.30%
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 terms and conditions.

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. 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. Rate holds are not eligible for the promotional offers.

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Tax-Free Savings Account (TFSA)
If you're over the age of 19 avoid paying tax on the income or growth you make on your investment, even when it's withdrawn.

  • No maximum age limit to open or hold a TFSA
  • No deadline for your contributions
  • Unused TFSA contribution room can be carried forward to future years
  • Investment income earned in a TFSA plan, including capital gains, will not be taxed, even when withdrawn
  • Multiple investment products such as GICs and mutual funds available within a TFSA

Disclosure

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 held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act

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RRSP Loan†
Utilize this loan for your first-ever RRSP deposit, to help make your annual contribution, or to ″top up″ unused room from past years.

  • Up to 30 days before first repayment
  • 1 to 7 year finance terms‡ available
  • Finance any investment solution within your RRSP account
† Read terms and conditions.

Terms and Conditions. Rate and approval based on risk profile. Interest payments on RRSP loans are not tax deductible. ‡ Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis.

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Registered Retirement Savings Plan (RRSP)
Save money for retirement during your higher income years and avoid paying taxes on the money you save until you retire.

  • Money contributed is tax deductible, within limits
  • Earnings are tax sheltered so they will grow even faster than a non-RRSP investment
  • Contribute to an RRSP until the year you turn 71
  • Multiple investment products such as GICs and mutual funds available within an RRSP account
  • RRSP Loans available to maximize your contributions and potential tax refund

Disclosure

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 held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

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If you currently have a GIC that is setup to automatically renew, you will be sent a renewal reminder letter by mail, 21 days and 5 days prior to the last day of the GIC

Other investment options

Mutual Funds
Mutual Funds

Have your money managed by professionals and invested in a range of stocks and bonds that match up to your goals.

Registered Accounts
Registered Accounts

Registered accounts (such as TFSAs and RRSPs), offer grants and tax-deferrals to encourage you to save.

Let’s build the right plan, together.
Our team of experts will find the right solutions for you and your goals. Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.

Learn more about GICs

MANAGING YOUR MONEY
All about GICs (term deposits)

What's a GIC, and how does it work? We've put together a guide to understanding all things GIC - including why you need one.

GROW YOUR MONEY
How to choose the right GIC for your goals.

It may seem particularly challenging right now to save for the future, but we promise there’s a way. Even though inflation and rising interest rates have dimmed economic forecasts for the next couple years, there are still great savings and investing opportunities available.

GROW YOUR MONEY
Balancing risk and reward with market-linked GICs

When it comes to investing, there are many different strategies you can try. For example, if you invest in stocks, you have an opportunity of getting higher returns. However, it’s a riskier product. Alternatively, you could go for safer investments, such as guaranteed investment certificates (GICs)...

CDIC Deposit ProtectionCDIC Deposit Protection

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.

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 performances 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.