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GIC & Deposit Rates

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Earn up to 6.25%* when you make your RRSP contribution.

Until February 29, make your RRSP contribution into a 90 Day Non-Redeemable Registered GIC.

*Conditions apply.

To purchase a GIC, simply log into Online Banking and click Open an Account. Don't have an account with us yet? Phone our Advice Centre at 1.888.517.7000 or apply online to take advantage of these rates.

GICs are also available as most Registered Accounts.

Featured Rates

Term
Rate effective Sep 18, 2023
16 Month Flex GIC – Average 4.250% 1
1 Year Non-Redeemable GIC 5.000% 1
3 Year Non-Redeemable GIC 4.400% 1


Long-Term Deposits

Term
Rate effective Jan 8, 2024
1 Year GIC (non redeemable) 5.000% 1
15 Month GIC (non redeemable) 5.000% 1
18 Month GIC (non redeemable) 4.800% 1
2 Year GIC (non redeemable) 4.600% 1
3 Year GIC (non redeemable) 4.400% 1
4 Year GIC (non redeemable) 4.350% 1
5 Year GIC (non redeemable) 4.350% 1

Short-Term Deposits

Term
Rate effective Jan 8, 2024
1 month to less than 2 months (non redeemable) 2.200% 1
2 months to less than 3 months (non redeemable) 2.200% 1
3 months to less than 4 months (non redeemable) 2.600% 1
4 months to less than 6 months (non redeemable) 2.600% 1
6 months to less than 9 months (non redeemable) 3.200% 1
9 months to less than 12 months (non redeemable) 3.500% 1

Redeemable GIC

Term

Rate effective Sep 18, 2023

1 Year Redeemable GIC 3.000% 1
1 Year Better Than Cash® GIC 4.000% 1
16 Month Flex GIC
1 - 8 months
9 - 16 months
Average
1.500%¹
7.000%¹
4.250%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 Jan 8, 2024
3 Year Rising Rate GIC
Year 1
Year 2
Year 3
4.000%¹
4.200%¹
4.300%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
  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.
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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

Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.