Rates
Here are today’s rates for mortgages, GICs, RRSPs and foreign exchange. Want any of the below rates? Phone our Advice Centre at 1.888.517.7000 or visit a Coast Capital branch.
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Featured Mortgage Rates Rate effective 12-Dec-24
|
Rates |
APR |
|---|---|---|
| 5-Year Variable High-Ratio | 4.44% 1 | 4.46% 2 |
| 5-Year Fixed High-Ratio | 4.09% 3 | 4.11% 2 |
| 5-Year Variable | 4.54% 4 | 4.56% 2 |
| 5-Year Fixed | 4.19% 5 | 4.21% 2 |
|
Prime Rate
|
Rate |
Date of change |
|---|---|---|
| Coast Capital Prime | 5.450% | 12-Dec-24 |
| Coast Capital US Prime | 7.500% 6 | 19-Dec-24 |
| Coast Capital US Base | 8.000% 6 | 19-Dec-24 |
|
Overdraft Protection (ODP)
|
Rate effective 19-Dec-24 |
|---|---|
| Overdraft Protection ( CA ) | 21% |
| Unauthorized Overdraft (CA) | Prime + 18% |
| Unauthorized Overdraft (US)* | 26% (Coast Capital US Base + 18%) |
* Please note that we do not offer Overdraft Protection for US currency accounts at this time.
|
Foreign Exchange Rate (Rates effective 20-Dec-24) |
Member Buy |
Member Sell |
|---|---|---|
| United Kingdom (Pound) - Cash | 1.8848 | 1.7139 |
| United States (Dollar) - Cash | 1.4715 | 1.4015 |
| Euro - Cash | 1.5667 | 1.4246 |
| See more rates... |
|
Mortgages (Rate effective 26-Nov-24)
|
Rates |
APR |
|---|---|---|
| 3-Year Fixed Rate - Closed | 4.190% 5 | 4.220% 2 |
| 5-Year Variable Rate - Closed (Up to 25 Year Amortization) | 4.540% 4 | 4.560% 2 |
| 5-Year Fixed Rate - Closed | 4.190% 5 | 4.210% 2 |
| See more rates... |
|
GICs/Term Deposits
|
Rate effective 04-Nov-24 |
|---|---|
| 1-Year Redeemable GIC | 3.000% 7 |
| 1-Year Better Than Cash® GIC | 3.250% 7 |
| See more rates... |
|
Personal Loans |
|
|---|---|
| 1-5 Year Personal Loan | 9.09% Interest Rate 1 | 9.09% APR 2 |
| 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.
- For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans only. Additional mortgage insurance criteria may apply. This is a variable rate product which will fluctuate with Coast Capital's prime rate. Interest rate and approval based on risk profile. Rates subject to change at any time without notice. Additional fees may apply.
- APR calculation is based on a $300,000 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 changes, the APR and the interest rate will be the same. If additional fees apply, the APR could increase. The APR assumes that the interest rate does not vary over time.
- For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans 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.
- Interest rate and approval based on risk profile. This is a variable rate product which will fluctuate with Coast Capital's prime rate. Rates subject to change at any time without notice. Additional fees may apply.
- Interest rate and approval based on risk profile. Rates subject to change at any time without notice. Additional fees may apply.
- Not for US dollar loans in Canada.
- 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.
- APR calculation is based on a $20,000 variable rate loan at a 5 year term, assuming no additional cost of borrowing charges. If additional fees apply, the APR could increase. The APR assumes that the interest rate does not vary over time.
Have questions?
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.
Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information
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Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.