A guaranteed return, always.

GICs

Secure a worry-free investment and a great rate.

Take your mind off the markets and focus on what matters to you.

Our GICs are CDIC-insured, low-risk investments that help you grow your savings and reach your goals. Powered by guaranteed returns and competitive rates you don't have to worry about protecting your principal either.
16 Month Flex GIC

Enjoy the flexibility to redeem your investment anytime, with interest, payable after the first 30 days. Plus, get an interest rate that increases after just 8 months. With a guaranteed return, the longer you stay the more it pays.

1.00%1

1-8 Months

7.00%1

9-16 Months


Call 1.888.517.7000 or book an appointment online today.

BOOK APPOINTMENT




Rising Rate GIC

Benefit from compound interest and the choice to redeem your money on each anniversary without penalty.

3.75%2

Year 1

4.00%2

Year 2

4.25%2

Year 3

Book appointment
3 Year Market-Linked GIC

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

0.00%3

Min

34.92%3

Max

BOOK APPOINTMENT

Not a Coast Capital member?

Apply online

Are you a business member?

See offers

Features and Benefits

Secured Savings

Avoid dipping into your savings account by securing your money.
Guarantee Return

Regardless of the circumstances, you’ll always get a return.
Competitive Rates

Enjoy the security of high-interest rates even if they drop again.
Flexibility

GIC available as RRSP, RIF, TFSA, RESP. Minimum deposit of $500.

Like what you see? Here's more.

GROW 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 GICs - including why you need one.
Read article
GROW YOUR MONEY
 How to automate saving
Automated saving isn’t a robot who comes every two weeks to snag a $20 out of your wallet. Read how to set yourself up for saving success.
Read article
MONEY HELP
 RRSP vs TFSA. Which is better for you?
What's really better for our savings goals, an RRSP or a TFSA? With tax season on the horizon, we break down what to choose, and when.
Read article
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.
Read article
MONEY HELP
 Why it’s important to invest with a goal
If you’re not investing with a purpose, you’re on a road without a clear destination. Read up and learn about the benefits of goals based investing.
Read article
Let’s find the right GIC, together.

Our Investment Team will work with you to find the GIC that’s right for you and your goals.

Call us at 1.888.517.7000 Mon-Sat, 8am-8pm PT; Sun, 9am-5:30pm PT or book an appointment online.

Book Appointment


CDIC Deposit ProtectionCDIC Deposit Protection

Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information


1. 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). The effective simple interest rate if held to maturity is 4.00% when averaging 1.00% for the first 8 months and 7.00% for the second 8 months of the term. No interest is payable if redeemed before 30 days. Rate holds are not eligible for the promotional offers.
2. Offered rates subject to change at any time, without notice. Interest rates are calculated per annum, accrued daily. Choose interest to be paid annually (compounding), annually (non-compounding), or monthly (non-compounding). No interest will be paid if the GIC is redeemed within the first 6 months. Minimum investment of $500. Eligible for non-registered, TFSA, RRSP, and RRIF.
3. Variable return can only be known at maturity and may be 34.92% (10.50% per annum) for a 3 year market-linked GIC. 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. Not available to purchase through online banking, please call us to purchase 1.844.517.7763. For additional information, please phone our Advice Centre at 1.888.517.7000.

Legal
*Term deposit rates subject to change. Advertised rate includes an additional 0.10 percentage points per annum, subject to purchasing either an 15-month non-redeemable term deposit or 2-year non-redeemable term deposit within one of the following registered investment vehicles: RRSP, RIF, RESP or TFSA. Individuals are responsible for understanding their own CRA contribution limits in registered investment vehicles. Offer only available through Contact Centre or in branch. The bonus 0.10 percentage points will be added to the posted rate of the promotional product for the full amount of the term deposit. 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.
Download on the App Store
Get It On Google Play