Rates
Here are today’s rates for mortgages, term deposits, RRSPs and foreign exchange. Want any of the below rates? Phone our Contact Centre at 1.888.517.7000 or visit a Coast Capital Savings branch.
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Featured Mortgage Rates Rate effective 23-Oct-18
Members Get It™ Mortgages 5-Year Variable 3.200% 1
Members Get It™ Mortgages 5-Year Fixed 3.640% 2,3
5-Year Variable Special Insured 3.050% 4
5-Year Fixed Special Insured 3.440% 5
Prime Rate Rate Date of change
CCS Prime 3.950% 25-Oct-18
CCS US Prime 5.250% 6 27-Sep-18
CCS US Base 5.750% 27-Sep-18
Overdraft Protection (ODP) Rate effective 27-Sep-18
Overdraft Protection ( CA ) 21%
Unauthorized Overdraft Protection ( US )* 23.75%
* Please note that we do not offer Overdraft Protection for US currency accounts at this time.
Foreign Exchange Rate (Rates effective 14-Nov-18) Member Buy Member Sell
United Kingdom (Pound) - Cash 1.7939 1.6312
United States (Dollar) - Cash 1.3480 1.2980
Euro - Cash 1.5630 1.4212
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Mortgages Rate effective 12-Jul-18
3-Year Fixed Rate - Closed 3.490% 3
5-Year Variable Rate - Closed (Up to 25 Year Amortization) 3.200% 1
5-Year Fixed Rate - Closed 3.640% 3
5-Year Fixed Rate - You're the Boss™ % 3
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Term Deposits Rate effective 13-Jul-18
40-Month TFSA Non-Redeemable Term Deposit - New money to Coast Capital only 3.000%
40-Month TFSA Non-Redeemable Term Deposit 2.500%
1-Year Redeemable Term Deposit 1.300%
1-Year Park-it RRSP Term Deposit - Also available for purchase as RIF and TFSA registered accounts 1.300%
1-Year Better Than Cash® Term Deposit 1.900%
Long Term 1-Year Term Deposit 1.500%
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VISA Desjardins Credit Cards
Low Rate Modulo GOLD 10.9%
Travel Odyssey GOLD 19.9%
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Personal Loans
Insured Personal Loan 7 5.75% Interest Rate | 6.88% APR
Interest rates on personal loans vary based on the application. For more information on rates, call us at 1.888.517.7000, or visit a Coast Capital Savings branch.

All rates subject to change without notice.

  1. Initial interest rate and the APR on a 5-year variable, closed mortgage, compounded monthly. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
  2. For residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. Interest rates subject to change without notice.
  3. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
  4. For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR.
  5. For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans made to members with a Direct Payroll Deposit to a Coast Capital Savings account and a Pre-Authorized Credit into a Coast Capital Savings investment product (registered or unregistered) only. Additional mortgage insurance criteria may apply. Interest rate and approval based on risk profile. Rates subject to change at any time without notice. Additional fees may apply. Insurance fees and other applicable fees, if any, will increase your APR.
  6. Not for US dollar loans in Canada.
  7. Interest rate and approval based on risk profile. Term lengths of 1 to 5 years. Stated interest rate and annual percentage rate (APR): (1) are effective July 3, 2018, and subject to change without notice, (2) require obtaining creditor insurance (life and/or disability) through Coast Capital or an insurance agent/insurer of borrower’s choice, (3) require payments by pre-authorized debit from a Coast Capital account, and (4) are based on the following representative transaction: a $10,000 loan, 3 year term and amortization, monthly payments, and creditor insurance (single life insurance coverage) purchased through Coast Capital with a premium of $170 added to the loan. Some conditions apply. If other fees or charges apply, the APR could increase. Call for details.

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Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.