GIC & Deposit Rates
Lock in a 4.00%* rate on a 1 Year Non-Redeemable GIC
when you invest in a TFSA, RRSP, FHSA, or RESP.
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 Nov 4, 2024 |
|---|---|
| 16 Month Flex GIC – Average | 3.680% 1 |
| 1 Year Non-Redeemable GIC | 3.800% 1 |
| 3 Year Non-Redeemable GIC | 3.400% 1 |
Long-Term Deposits
|
Term
|
Rate effective Nov 4, 2024 |
|---|---|
| 1 Year GIC (non redeemable) | 3.800% 1 |
| 15 Month GIC (non redeemable) | 3.700% 1 |
| 18 Month GIC (non redeemable) | 3.600% 1 |
| 2 Year GIC (non redeemable) | 3.600% 1 |
| 3 Year GIC (non redeemable) | 3.400% 1 |
| 4 Year GIC (non redeemable) | 3.500% 1 |
| 5 Year GIC (non redeemable) | 3.500% 1 |
Short-Term Deposits
|
Term
|
Rate effective Nov 4, 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) | 3.000% 1 |
| 6 months to less than 9 months (non redeemable) | 3.400% 1 |
| 9 months to less than 12 months (non redeemable) | 3.650% 1 |
Redeemable GIC
|
Term
|
Rate effective Nov 4, 2024 |
|---|---|
| 1 Year Redeemable GIC | 3.000% 1 |
| 1 Year Better Than Cash® GIC | 3.250% 1 |
|
16 Month Flex GIC
1 - 8 months
9 - 16 months
Average
|
0.850%¹
6.500%¹
3.680%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 Sep 16, 2024 |
|---|---|
|
3 Year Rising Rate GIC
Year 1
Year 2
Year 3
|
2.800%¹
3.300%¹
3.500%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
|
*Rates are subject to change at any time, without notice. Interest rates are calculated per annum, accrued daily, and paid at maturity. Minimum investment of $500. Eligible for TFSA, RRSP, FHSA, and RESP. Non-redeemable prior to maturity. Rate holds are not eligible for promotional offers. Product specific conditions will apply. Learn more about how our interest rates are calculated on our deposit and GIC accounts.
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.
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.
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.