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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Title of first section

Members Get It™ Mortgages 5-Year Variable 1.900% 1
Members Get It™ Mortgages 5-Year Fixed 1.990% 2,3
5-Year Variable Special Insured 1.780% 4
5-Year Fixed Special Insured 1.860% 5
*Rate Effective Date: 21-Sep-20
CCS Prime 2.450% 31-Mar-20
CCS US Prime 4.250% 6 04-Mar-20
CCS US Base 4.750% 04-Mar-20
Overdraft Protection ( CA ) 21%
Unauthorized Overdraft Protection ( US )* 21.75%
* Please note that we do not offer Overdraft Protection for US currency accounts at this time.
United Kingdom (Pound) - Cash 1.7874 1.6253
United States (Dollar) - Cash 1.3750 1.3050
Euro - Cash 1.6311 1.4831
See more rates...

Title of second section

3-Year Fixed Rate - Closed 2.040% 3
5-Year Variable Rate - Closed (Up to 25 Year Amortization) 1.900% 1
5-Year Fixed Rate - Closed 1.990% 3
5-Year Fixed Rate - You're the Boss™ 4.200% 3
See more rates...
1-Year Redeemable Term Deposit 0.400%
1-Year Better Than Cash® Term Deposit 0.650%
See more rates...

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.
    8. For new residential first mortgages only. Interest rate and approval based on risk profile. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase. Interest rate subject to change without notice.

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To take advantage of these rates, call us at 1.888.517.7000 Mon-Sat, 8am-8pm or visit a Coast Capital Savings branch.


Members Get It™ Mortgages Featured 5-Year Variable 1.900% 3
Members Get It™ Mortgages Featured 5-Year Fixed 1.990% 1,2
5-Year Variable Special Insured 1.780% 10
5-Year Fixed Special Insured 1.860% 11
Mortgage Terms Up to 25 Year Amortization More than 25 Year Amortization
1-Year Fixed Rate - Open 3.940% 2 4.190% 2
1-Year Fixed Rate - Closed 2.440% 2 2.540% 2
2-Year Fixed Rate - Closed 2.090% 2 2.190% 2
3-Year Fixed Rate - Closed 2.040% 2 2.140% 2
4-Year Fixed Rate - Closed 2.090% 2 2.190% 2
5-Year Fixed Rate - Closed 1.990% 2 2.090% 2
5-Year Fixed Insured Rate - Closed 1.860% 2,7,8 Not Offered
5-Year Fixed Special Insured Rate - Closed 1.860% 11 Not Offered
6-Year Fixed Rate - Closed 2.690% 2 2.790% 2
7-Year Fixed Rate - Closed 2.690% 2 2.790% 2
8-Year Fixed Rate - Closed 4.140% 2 4.240% 2
9-Year Fixed Rate - Closed 4.190% 2 4.290% 2
10-Year Fixed Rate - Closed 3.090% 2 3.190% 2
1-Year Variable Rate - Open 3.150% 6
5-Year Variable Rate - Closed (Up to 25 Year Amortization) 1.900% 3
5-Year Variable Rate - Closed (More than 25 Year Amortization) 2.000% 3
5-Year Variable Insured Rate - Closed 1.780% 9
5-Year Variable Special Insured Rate - Closed 1.780% 10
CCS Prime 2.450% 31-Mar-20
  1. For residential first mortgages only. Interest rate and approval based on risk profile. Additional fees may apply. Interest rates subject to change without notice.
  2. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
  3. 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.
  4. High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase.
  5. Initial interest rate and the APR on a 5-year Half & Half Rate mortgage, closed mortgage, calculated monthly. The Half & Half Rate is a variable rate. When the Coast Capital Savings prime rate goes up or down, the Half & Half Rate goes up or down by one-half of the change in the prime rate. APR fluctuates with Coast Capital Savings prime rate. If fees or charges apply, the APR could increase.
  6. Initial interest rate and the APR on a 1-year variable rate, open mortgage, compounded monthly. If fees or charges apply, the APR could increase. This is a variable rate product which will fluctuate with the Coast Capital Savings prime rate.
  7. High ratio mortgages, non-residential mortgages and non-owner occupied properties are not eligible.
  8. For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Additional fees may apply, and Annual Percentage Rate (APR) could increase. Rates subject to change without notice. Initial interest rate and APR compounded monthly.
  9. 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. For new high-ratio closed residential first mortgages only. Interest rate and approval based on risk profile. Additional mortgage insurance criteria may apply. Rates subject to change without notice.
  10. 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.
  11. 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.
  12. For new residential first mortgages only. Interest rate and approval based on risk profile. Annual Percentage Rate (APR), compounded semi-annually. If fees or charges apply, the APR could increase. Interest rate subject to change without notice.
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To purchase a term deposit, simply log into Online Banking and click Open an Account. Don't have an account with us yet? Phone our Contact Centre at 1.888.517.7000 or apply online to take advantage of these rates.

Term deposits are also available as most Registered Accounts.

1-Year Non-Redeemable Term Deposit 0.750%
2-Year Non-Redeemable Term Deposit 0.800%

*Click here to learn how to get an additional 0.10 percentage points per annum only on these promotional rates.

Long Term 1-Year Term Deposit 0.750%
Long Term 18-Month Term Deposit 0.800%
Long Term 2-Year Term Deposit 0.800%
Long Term 3-Year Term Deposit 0.900%
Long Term 4-Year Term Deposit 1.000%
Long Term 5-Year Term Deposit 1.100%
1-Year Redeemable Term Deposit 0.400%
1-Year Better Than Cash Term Deposit 0.650%
Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis. Learn more about how our interest rates are calculated on deposit and term deposit products.

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We'll help your investments match your dreams.

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CCS New Products

Filter Products
Rising Rate Term Deposit
Benefit from compound interest and the flexibility of redeeming your money on each year anniversary without penalty.
.65 % 1
Year 1
.75 % 1
Year 2
1.30 % 1
Year 3

  • Only $500 to get started
  • Choice of earning compound or annual interest
  • Available in Non-registered and Registered Account such as an RRSP, RRIF, RESP or TFSA
17-Month Non-Redeemable Term Deposit
You'll get a great rate no matter how much money you have to invest.
2.40% % 1 new money only

  • Available as non-registered, RRSP, RIF, TFSA, RESP
  • Only need $500 to get started
Construction Mortgage
Building a house? Get financing at every stage of your build.

  • Get advances to pay for the cost of building
  • Make interest-only payments up to 12 months
  • Agree on the term upfront
Registered Education Savings Plan (RESP)
Save for your child's education without paying taxes on the interest earned as you grow your investments within an RESP.

  • Contribute to a lifetime maximum of $50,000
  • Anyone can contribute to the RESP, not just the parents of the child
  • Take advantage of the Canada Education Savings Grant and the BC Training and Education Savings Grant
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RESP account
  • Up to $8,400 in government grants are available
Equipment Financing
Whether you need equipment to move the earth or construct a building, we can help bridge the gap between sellers and buyers to make it happen.

  • Equipment-based term loans and capital leases
  • Refinancing
  • Pre-approved financing
  • Highly-structured transactions custom fit to your needs
Not confident enough in witch product you fit?
or call us at 1.888.517.7749

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Personal Loans

A personal loan can help whether you need money for education, a major purchase, or to consolidate higher interest rate debt.

  • Term length options available from 1 to 10 years
  • Fixed or variable rate options1
  • Weekly, bi-weekly, semi-monthly or monthly payment schedule options
Read the not-so-fine print

Terms & Conditions

  1. Rate and approval based on risk profile.

* Variable rate. On approved credit. Rate subject to change.

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Insured Personal Loan

Get a great rate on your personal loan, plus peace of mind that your financial obligations will be covered in the event of unforeseen circumstances.

5.75 %
Interest Rate
6.88 %
Annual Percentage Rate
  • Get a great rate on loans when you also sign up for Creditor Insurance
  • Term length options available from 1 to 5 years
  • Weekly, bi-weekly, semi-monthly or monthly payment schedule options
  • Get financial protection in the case of event of death or disability with Creditor Insurance
Read the not-so-fine print

Disclosure

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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RRSP Loan

A loan for your first-ever RRSP contribution, to help make your annual contribution, or to ″top up″ unused contribution room from past years.

  • Up to 30 days before first repayment
  • 1 to 7 year finance terms1 available
  • Finance any investment product within your RRSP account
Read the not-so-fine print

Terms & Conditions

  1. Rate and approval based on risk profile.

Interest payments on RRSP loans are not tax deductible.
* Variable rate. On approved credit. Rate subject to change.
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Overdraft Protection

We can’t help you predict the future, but we can help you prevent your chequing account from becoming overdrawn with Overdraft Protection.

  • Attaches to your existing chequing account
  • Limits of $500 to $5,000 available1
  • Interest only charged on funds used2
  • Quick and easy application3
Read the not-so-fine print

Terms & Conditions

  1. Limits subject to qualification.
  2. Monthly fee applies where overdraft is used.
  3. Approval based on risk profile.

For more information, see our full list of service fees.

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Members get a helping hand with loans.

Big expenses happen. And you won’t always have money in your pocket to pay for them. That’s where loans come in.

Our team can help figure out the loan that’s right for you and your situation -whether you’re in need of a student loan, a new car or a loan to top up this year’s RRSP contribution.