A guaranteed return, always.


Secure a worry-free investment and a great rate.

Our wide range of GICs can help you reach your goals — tomorrow and beyond. Speak with an advisor to find the investment solution that's right for you.

1 Year Better Than Cash® GIC


Saving for a vacation or a new car? Enjoy the flexibility of a redeemable GIC that pays like a locked-in investment. Redeemable after 6 months, without penalty on interest payable.


15 Month Non-Redeemable GIC


Get a guaranteed return on a short-term commitment.


Rising Rate GIC

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


Year 1


Year 2


Year 3

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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.

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

Step-by-Step Guide

Get your GIC online in 3 easy steps.

Step 1

If you’re not a Coast Capital member, apply online (Personal Banking; Business Banking ).

Then, sign into digital banking.

Need a hand? We can help.

Step 2

In Digital Banking:

In the left hand menu, select ‘Products & Services’ and then ‘Open Account’. 

Step 3

Select ‘Non-Registered GICs’ then select the product you’d like.

If the GIC is for your personal banking and you're interested in registered accounts, book an appointment below.

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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.
How to find right investment professional
Learn how to look for the right investment professional to help you reach all your financial goals.
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.
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.

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. Eligible for non-registered, TFSA, RRSP and RRIF.
2.   Interest paid at maturity. No interest will be paid if you redeem this GIC within the first 6 months.
3.  Choose interest to be paid annually (compounding), annually (non-compounding), or monthly (non- compounding).
4.   Interest is calculated per annum, 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.

*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.