Members get friendly help finding the right investments.

No matter what stage of investing you’re in, our accredited Investment Team can help – whether you’re just getting started, a seasoned investor or somewhere in the middle.

How you invest is actually more important than how much you invest. That’s why we’ll take the time to understand your unique goals and needs and use the range of tools and investment solutions like the ones found here, to make sure your money is working as hard as possible to meet your goals.

Our Investment Team can help with:

  • Investment planning
  • Retirement planning
  • Education planning
  • Tax planning
  • Estate planning
  • Life insurance
What type of product are you interested in?

17-Month Non-Redeemable Term Deposit

You'll get a great rate no matter how much money you have to invest.

2.40% % 1 new money only
  • Available as non-registered, RRSP, RIF, TFSA, RESP
  • Only need $500 to get started
Read the not-so-fine print

Disclaimer

Offer subject to change without notice at any time. Interest rates are subject to change without notice and are calculated on a per annum basis. Minimum investment of $500; no maximum investment limit.

  1. Offer available for new money only which must come from non-Coast Capital sources. New money is defined as dollars not currently on deposit with Coast Capital Savings or money that has been on deposit for 60 days or less.
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1-Year Better Than Cash® Term Deposit

A flexible term deposit that pays like a locked-in rate, but it's redeemable with interest after March 1, 2019.

1.80% %
  • Redeemable with interest starting March 1, 20191
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
Read the not-so-fine print

Disclosure

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 can be redeemed anytime but with no interest if redeemed prior to March 1, 2019.

Better-than-cash term deposit opened before September 1, 2018 can be redeemed with interest on a different date. Contact us for details.

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40-Month TFSA Non-Redeemable Term Deposit

Get a great rate with this special offer for Tax-Free Savings Accounts.

3.00 % 1
New money to Coast Capital
2.50 % 1
Existing money
  • Minimum investment of $500
  • Available in a TFSA only
Read the not-so-fine print

Disclosure

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 TFSA contributions only.

  1. Offer available for new money only which must come from non-Coast Capital sources. New money is defined as dollars not currently on deposit with Coast Capital Savings or money that has been on deposit for 60 days or less.
  2. Offer available for existing money from Coast Capital sources. Renewals and existing demand balances can be fully counted towards the new money definition at the promotional rate(s) as long as a 50% minimum has been added to the renewing amount for terms or existing demand balance(s).
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1-Year Redeemable Term Deposit

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

1.20 % 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.

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Park-it RRSP Term Deposit

So you need to make an RRSP contribution, like, today. But you don't have the time to make an investment decision. Get our Park-it RRSP.

1.30 % 1 1-year term
  • Only need $500 to get started
  • One time option to re-write to another Coast Capital Savings term or mutual fund
  • Get a tax receipt right away and decide on your long-term investment later
  • Also available for purchase as RIF and TFSA registered accounts
Read the not-so-fine print

Disclosure

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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Rising Rate Term Deposit

Benefit from compound interest and the flexibility of redeeming your money on each year anniversary without penalty.

1.30 % 1
Year 1
1.60 % 1
Year 2
3.10 % 1
Year 3
  • 3 or 7 year terms available
  • 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. 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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The Low-fee, More-for-me Mutual Funds®

Our family of mutual funds gives you more of what you want: 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
Read the not-so-fine print

Disclosure

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.

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Safe Bet, No Sweat™ Market-Linked Term Deposit

Tap into the stock market with this term deposit 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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Non-Redeemable Term Deposits

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

1.60 % 1 15-month 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.

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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
Read the not-so-fine print

Disclosure

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.

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Segregated Funds

Segregated funds are long-term investments that guarantee 75% to 100% of your original investment no matter how the markets perform.

  • Guarantee and original investment protected in the event of death
  • Sell at any time at current market value
  • A mutual fund with insurance guarantees
  • Used as a valuable estate planning tool particularly for business owners who want to protect investment assets from creditors
  • Assets transfer to beneficiaries without probate fees
Read the not-so-fine print

Disclosure

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 insurance, segregated funds and annuities.

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Annuities

This retirement income option provides you with a stream of payments, with just a single investment from either registered or non-registered savings.

  • Payments are determined based on age, interest rate, initial investment and length of time guaranteed
  • The first $2,000 of income each year qualifies for a Federal Pension Income Tax Credit
  • A joint and last survivor annuity will guarantee payments through the lives of both spouses
  • For registered funds, payments are taxed as income in the year that they are received. For non-registered funds, only a portion of each payment is taxed each year
Read the not-so-fine print

Disclosure

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 insurance, segregated funds and annuities.

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Need a hand?
Need a hand?
Our experienced Investment Team can help plan the right solutions for your financial goals.

Worldsource Financial Management

Worldsource logo

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.

Financial planner

Meet Michael Hintz, 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:

  • Insurance Advisors can come to you at a time convenient for you. They can also help with Life, Critical and Disability Insurance and Segregated Funds
  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations

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Ready to invest?

Our accredited Investment Team can help you figure out the best financial plan for your goals.
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm.
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 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.

For information on changes to deposit insurance and the transition period if we become a federal credit union, see the notice pursuant to the Disclosure on Continuance Regulations (Federal Credit Unions).