Maximize your hard earned savings

When it comes to growing your wealth, the way you invest is just as important as how much you invest. That’s why we take the time to understand your unique goals to make sure your money is working as hard as possible. No matter what stage of investing you’re in, our Investment Team can help you minimize your debt, maximize your investments, and reach your financial goals.

Talk to us today

Our Investment Team works in your best interest to help you get the most out of your hard-earned savings.

Book your complimentary appointment.

Effective June 3, 2021 Term Deposits are now called GICs (Guaranteed Investment Certificates) to align with industry standards.

Why partner with a Coast Capital Financial Advisor?

Results Results
Our advisors have over 80 years of experience helping members make the most of their savings and reach their goals.
Partnership Partnership
We build relationships with members so we can give meaningful advice customized to their unique goals.
Strategy Strategy
Receive a personalized action plans that outlines clear strategic steps you can take towards living the life you want.
Transparency Transparency
We will simplify complicated financial jargon and offer clear advice so you truly understand your finances. 
What type of product are you interested in?
15 Month Non-
Redeemable GIC
Get a high return on a shorter-term commitment.
1.10 % 1

  • Available as RRSP, RIF, TFSA, RESP
  • Only need $500 to get started
Market-Linked GIC
Tap into the stock market with this GIC where the return is based on the performance of an underlying market index¹.

  • 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

Rising Rate GIC
Benefit from compound interest and the choice to redeem your money on each anniversary without penalty.
0.70 % 1
Year 1
1.00 % 1
Year 2
2.00 % 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
1 Year Better Than Cash® GIC
A redeemable GIC that pays like a locked-in investment.
0.75 %

  • Redeemable after 6 months without penalty on interest payable1.
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
  • Check out our Help and Support Page for more information

Coast Capital® Mutual Funds
Our family of mutual funds gives you more of what you want. Enjoy 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
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
Online Investing
Ready to self-manage your investments? We are pleased to partner with Qtrade Investor, Canada’s leading online discount brokerage.

  • Easy-to-use online and mobile trading platforms
  • Low commissions and independent research tools
  • Wide range of investments available including stocks, bonds, GICs, mutual funds and options, plus new issues/IPOs
  • Over 100 exchange-traded funds (ETFs) that you can buy commission-free
  • Discounted trading commissions for those who trade often or have a larger account balance
  • No administration fees when you maintain a minimum account balance
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA

Helpful Resources

Worldsource Financial Management

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.

Worldsource Financial Management

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.

Optimize your investment strategy

GROW YOUR MONEY
How to find right investment professional
Learn how to look for the right investment professional to help you reach all your financial goals.
MANAGING YOUR MONEY
Keeping a long-term view on the market
Learn all about why it's important to remind ourselves that market movements are normal, and markets do recover.
GROW YOUR MONEY
Pay Yourself First: the benefits of forced saving
Learn how to inject more certainty into your savings through a technique known as pay yourself first, or a little more dramatically forced savings.

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.


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.

Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc. Qtrade is a registered mark owned by Aviso Wealth Inc.


  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.
  2. 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.
  3. 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.
    1. Term deposit is redeemable after 6 months without penalty on interest payable.
    Better-than-cash term deposit opened before November 1, 2018 can be redeemed with interest on a different date. Contact us for details.
  4. 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.
  5. 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.
  6. 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.
  7. Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc.
  8. Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis.