GIC & Deposit Rates
Featured Rates
|
Term
|
Rate effective August 17, 2026 |
|---|---|
| 1 Year Redeemable GIC - New Money | 3.000% 2 |
| 2 Year Non-Redeemable GIC | 3.500% 3 |
Long-Term Deposits
|
Term
|
Rate effective Aug 17, 2026 |
|---|---|
| 1 Year GIC (non redeemable) | 2.900% 1 |
| 15 Month GIC (non redeemable) | 3.000% 1 |
| 18 Month GIC (non redeemable) | 3.100% 1 |
| 2 Year GIC (non redeemable) | 3.500% 1 |
| 3 Year GIC (non redeemable) | 3.500% 1 |
| 4 Year GIC (non redeemable) | 3.600% 1 |
| 5 Year GIC (non redeemable) | 3.800% 1 |
Short-Term Deposits
|
Term
|
Rate effective May 6, 2026 |
|---|---|
| 1 month to less than 2 months (non redeemable) | 1.800% 1 |
| 2 months to less than 3 months (non redeemable) | 1.800% 1 |
| 3 months to less than 4 months (non redeemable) | 1.800% 1 |
| 4 months to less than 6 months (non redeemable) | 2.150% 1 |
| 6 months to less than 9 months (non redeemable) | 2.250% 1 |
| 9 months to less than 12 months (non redeemable) | 2.500% 1 |
Redeemable GIC
|
Term
|
Rate effective May 6, 2026 |
|---|---|
| 1 Year Redeemable GIC | 2.150% 1 |
| 1 Year Better Than Cash® GIC | 2.300% 1 |
|
16 Month Flex GIC
1 - 8 months
9 - 16 months
Average
|
0.800%¹
4.250%¹
2.530%¹
|
|
Market-Linked GIC
|
|---|
| View Current and Past Offers |
Short-Term US Deposits
|
Term
|
Rate effective May 9, 2022 |
|---|---|
| 1 month to less than 2 months | 0.100% 1 |
| 2 months to less than 3 months | 0.150% 1 |
| 3 months to less than 4 months | 0.200% 1 |
| 4 months to less than 6 months | 0.250% 1 |
| 6 months to less than 9 months | 0.300% 1 |
| 9 months to less than 12 months | 0.400% 1 |
Rising Rate GIC
|
Term
|
Rate effective May 6, 2026 |
|---|---|
|
3 Year Rising Rate GIC
Year 1
Year 2
Year 3
|
2.600%¹
2.700%¹
3.100%¹
|
|
7 Year Rising Rate GIC
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
|
0.600%¹
0.700%¹
0.800%¹
0.900%¹
1.000%¹
1.500%¹
2.000%¹
|
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-Fri, 6am-8pm PT; Sat, 8am-8pm PT; Sun, 9am-5:30pm PT or book an appointment online.
Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information
Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.
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1. Offer is subject to change without notice at any time. Interest rate is calculated per annum and accrued daily. Learn more about how our interest rates are calculated on our deposit and GIC accounts. Product specific conditions will apply.
2. This offer is made by Coast Capital Savings Federal Credit Union (CCSFCU) operating under the brands Coast Capital, Prospera, and Sunshine Coast Financial. Offers subject to change or termination at any time, without notice. Interest rate available on a Guaranteed Investment Certificate (GIC) opened with net new funds deposited with CCSFCU (i.e., funds deposited form outside CCSFCU using T2033 transfer, e-Transfer, cheque deposit, EFT, cash deposit, etc.) on or after 17 August 2026. For clarity, funds withdrawn within 90 days after 17 August 2026 and re-deposited with CCSFCU, or transferred from an existing CCSFCU deposit account, Worldsource Financial Management Ltd. account, or Aviso Financial Inc. account to another CCSFCU account are not considered new funds. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500. Redeemable at any time after 30 days with no penalty. Minimum redemption amount of $500 while maintaining the minimum investment amount. Eligible for non-registered, Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), and Registered Retirement Income Fund (RRIF). Rate holds are not eligible for the promotional offers. Offer must be completed with a branch or advice centre staff; offer is not available through digital banking.
3. Offers subject to change or termination at any time, without notice. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500. Eligible for non-registered, Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) and First Homes Savings Account (FHSA). Rate holds are not eligible for the promotional offers.