Get up to $1,900* when you switch your mortgage and banking to Coast Capital.

LIMITED TIME *Conditions apply.

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A mortgage worth switching for.

For a limited time, get up to $1,500 cash1,2 when you switch your mortgage to Coast Capital and up to $400 cash3 when you become a member. Plus enjoy great mortgage rates starting at 2.51% APR.4 Our Mortgage Advisors are ready with personalized advice to help you achieve what matters to you, like living mortgage-free sooner.

Get this offer today.

Lock in a low mortgage rate and get up to $1,900 cash by following the steps below. After your mortgage pre-approval is complete, we’ll hold your rate for 90 days.

Already know the steps? Connect with our team to start your mortgage pre-approval now.

GET STARTED

Explore our great mortgage rates.

Switching your mortgage to Coast Capital allows you to renew or refinance your mortgage at a great rate and flexible terms.

2.51% APR4

5-Year Variable High-Ratio

Mortgage 

4.06% APR4

5-Year Fixed High-Ratio

Mortgage 

2.61% APR4

5-Year Variable

Mortgage 

4.16% APR4

5-Year Fixed

Mortgage 

Check out our other mortgage rates.


Step 1: Get up to $1,500 when you switch to a Members Get It® Mortgage.1,2

Start by contacting our team for your mortgage pre-approval. See here for what happens next to finalize your mortgage.

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$1,000 Help Extras cash bonus1

That’s cash in your pocket that you can use for other home-buying expenses like creditor insurance.

$500 cash bonus towards your fees2
In addition to the Help Extras cash bonus, we’ll cover up to $500 of legal and appraisal fees.

Step 2: Become a member and get up to $400.

Get started by opening an account and following the eligibility requirements below.
Step 1 - Become a member

By opening a Free Chequing, Free Debit, and More Account®, with no minimum balance required.

  • No monthly fee
  • Unlimited day-to-day transactions†
  • Free eStatements
  • Click here for service fees on services that are not included with this account.
  • Download our account guide



Open account
† Read terms and conditions.

Terms and Conditions.

† Transactions include cheques, Coast Capital Savings® and THE EXCHANGE® Network ATM withdrawals, Interac Direct Payment, pre-authorized payments, bill payments, transfers (between Coast Capital Savings accounts), and withdrawals. Deposits and electronic transfers (between Coast Capital Savings accounts) Coast Capital Savings® ATM, Coast-by-Phone®, Coast Mobile® Banking and Coast Online are free.


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Step 2 - Earn $350†

By setting up and maintaining the below activities within the first two months of account opening.

We’ll make it easy by emailing you the instructions after you open your account.

  • 1 direct deposit Your direct deposit must be the same direct deposit coming from the same payee for 3 consecutive months. This may be your payroll, pension or government payment. for 3 months consecutive
  • Make at least 15 everyday transactions These are transactions like withdrawals, e-transfers, and debits that one would perform day-to-day. Direct deposits and pre-authorized payments count too. within 3 months of account opening



† Read terms and conditions.

Terms and Conditions.

† Read full offer terms and conditions here.



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Step 3 - Earn $50†

By setting up automatic savings into a new Mutual Funds account with Coast Capital.

  • Open a new Mutual Funds account
  • Set up a monthly, pre-authorized contribution, min. of $50
  • Following Step 1, book an appointment with us to set up your Mutual Funds account and pre-authorized contribution.
† Read terms and conditions.

Terms and Conditions.

† Read full offer terms and conditions here.



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We've answered your most popular FAQs.

No. You can a) get up to $1,500 when you switch your mortgage to Coast, or b) up to $400 when you become a member (which is a requirement of opening a Coast mortgage), or c) both offers. Follow Steps 1 and 2 in the page above to ensure you know the eligibility requirements for both offers.

This offer is only available to new, personal members who are residents of British Columbia. See terms and conditions.
To receive the $400 cash bonus, you can open your account online or in person at one of our branches. It takes less than 5 minutes to open an account through our digital membership opening, but you can also visit one of our branches.
To earn $350, within the first 2 months following account creation, set up and maintain;
  • 1 direct deposit for 3 months consecutive
  • Make at least 15 everyday transactions within 3 months
To earn $50;
  • Set up a new investment and pre-authorized contribution (min. $50 monthly)

Switching your banking to Coast Capital is easy, but we’ve also given you ample time to complete all the eligibility requirements to ensure you get your bonus.

Here’s when you can expect your $350 cash bonus, which will be automatically deposited into your new account if you meet all the requirements;

   
If you create an account and start criteria within first 60 days during; 60 days following criteria completion, you’ll get your $350 bonus between;
May 2022 Oct - Dec 2022
June 2022 Nov 2022- Jan 2023
July 2022 Dec 2022 - Feb 2023

Your payout will depend on when you start your offer criteria.

You can earn your $50 bonus immediately following setting up your new pre-authorized contribution (min. $50 monthly) to your new investment.


Following account creation, you can book an appointment with one of our advisors to set up a Mutual Funds account and your pre-authorized contribution (min. $50 monthly). Once completed, you will be eligible to receive the $50, which will be deposited directly to your chequing account.


I am a Coast Capital small business member; do I qualify for the $350 cash bonus if I open a personal account?
Yes, as long as you are a new personal banking member and have never had a previous personal account. To open a personal membership follow the steps to open an account online or in branch.

Can I earn multiple $350 cash bonuses by opening multiple accounts?
No. You are only eligible for one bonus.

Do I get the $350 cash bonus if I open a joint account?
Yes. If you are a new personal member to Coast Capital. If the criteria is met on the joint account, you are only eligible for a single Cash Bonus Offer.

I’m an existing member at Coast Capital, if I open a joint account with another person, do they get the $350 cash bonus?
Yes. If you add a new member to a joint account, the new member will be eligible for the bonus. Joint Accounts and Joint Memberships are only eligible for a single Cash Bonus Offer.

I’m an existing member at Coast Capital, can I open a new one to get the $350 cash bonus?
No. Current and past personal members do not qualify for this offer.

I used to have an account with Coast Capital, am I eligible?
No. If you’ve had a previous personal membership with Coast Capital, you are not eligible for the $350 cash bonus offer.

How do I set up a direct deposit?
  1. Log in to digital banking through a computer or our mobile app.
  2. Select from the menu, Account Overview, then Download Void Cheque and select the account you want the Void Cheque for.
  3. Click the Export button to download a PDF file containing your void cheque. Save or print this PDF to provide a digital or physical copy to your employer.

How do I know if my direct deposit is eligible?
In order to be eligible for the bonus, your direct deposit must be the same direct deposit coming from the same payee for 3 consecutive months. This may be your payroll, pension or government payment. Check the terms and conditions for more details.

How do I check if I have made 15 eligible transactions?
The easiest way to track eligible transactions is through our personal financial management tool, Money Manager, located in online banking and the Coast Mobile app. Learn about your spending habits, set budgets, track your progress towards your goals and pay down your debt more effectively. Once you have set up Money Manager, simply check your transactions. (Exclusions: Account or service charges and account to account transfers.) Transactions like point of sale, e-Tranfers, direct deposits and pre-authorized debits count towards your eligible transactions.

Why was my application denied?
There are a number of reasons an application may be declined. If your online application was declined please contact us.

Ready to switch your mortgage to Coast Capital? Here’s how to get started.

Get pre-approved.

Contact us to start your mortgage pre-approval—our advisors will guide you through the process. You can also get your pre-approval started online.

Customize your mortgage.

We’ll help you complete an application, customize your rate and terms and we’ll hold your rate for 90 days. You’ll need these documents for your application.

Finalize your mortgage.

Our team will take care of all the final details and complete your mortgage.

Ready to get pre-approved?

Connect with our Mortgage Advisors online or call 1.888.517.7000.


GET STARTED
    1. Help Extras are available for new closed mortgage loans with a principal amount not less than $150,000, having a term of not less than 3 years. Pre-approval is available for both primary residences and rental properties. Must be either a first mortgage, or a second mortgage behind a Coast Capital Savings first mortgage. Coast Capital Savings may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. Other conditions will apply. Contact us for details.
    2. The $500 appraisal and legal credit is available for new closed mortgage loans with a principal amount not less than $150,000 and having a term not less than 3 years. Only property purchase transactions will be eligible. Re-financed mortgages and subsequent advances on mortgage loans are not eligible. Coast Capital Savings Federal Credit Union may limit the availability of the $500 appraisal and legal credit from time to time at its sole discretion. Coast Capital Savings Federal Credit Union may change or terminate this offer at any time and without prior notice. All decisions by Coast Capital Savings Federal Credit Union regarding this offer are binding on all participants. Contact us for details.
    3. Read full offer terms and conditions here.
    4. Only closed, residential first mortgages and blend and extend mortgages with a minimum of $150,000 in new money will qualify. Interest rate and approval based on risk profile. Rates subject to change without notice. Additional fees may apply. If fees apply, the Annual Percentage Rate (APR) could increase. Each APR calculation is based on a $300,000.00 mortgage at a 25 year amortization, assuming an appraisal fee of $300 (which includes fees associated with determining the value of the property). If there are no additional cost of borrowing charges, the APR and the interest rate will be the same. The APR assumes the interest rate does not vary over the term. Variable mortgage interest rates will change when the Coast Capital Savings Prime Rate changes. The fixed mortgage Annual Percentage Rate (APR) is compounded semi-annually, not in advance. The variable mortgage APR is compounded monthly, not in advance.
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.
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