Home › Institutions › Coast Capital Savings

Coast Capital Savings

Credit union· Surrey, British Columbia· Since 2000Anyone can join

Profiled by Ratehunter

data as of 2026-10-16 · How we track rates

About Coast Capital Savings

Coast Capital Savings Federal Credit Union is a member-owned federal credit union created from the December 31, 2000 merger of Pacific Coast Savings and Richmond Savings credit unions; it became Canada's largest federal credit union on November 1, 2018. On May 6, 2026 it legally closed a merger with Prospera Credit Union and Sunshine Coast Credit Union, continuing as Coast Capital Savings Federal Credit Union (about 730,000 members, $40B+ AUA) while retaining the Prospera, Coast Capital and Sunshine Coast brands. It offers personal and business banking, lending and investment products.

MoreLess

Access: Membership required · Open common bond

Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon

How to join: Open a membership online or at a branch and purchase a membership share.

Notes: Federally regulated since 2018 but operates retail only in BC. Open membership.; Federally regulated since 2018

Deposit protection: Canada Deposit Insurance Corporation

$100,000 per insured category per member institution

How deposit insurance works →

Current top rates

rates confirmed as of 2026-10-13

Best GIC · 5-year3.80%

Best mortgage · 5-year fixed4.49%

Prime rate4.45%

GIC ladder	Best rate
1-year GIC	3.10%
2-year GIC	3.40%
3-year GIC	3.50%
4-year GIC	3.60%
5-year GIC	3.80%

Base ladder rates. Institution may have more term rates below.

GIC rate history

Best historical posted GIC rate by term

Term

Latest2.90%Oct 16, 2026

Last change+0.10%Aug 26, 2026

High2.90%Aug 26, 2026

Low2.80%Jul 16, 2026

Tracked since Jul 16, 2026 · 34 snapshots

Term deposit rates

Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-13

Filter rates

Term	Registration	Redeemable	Compounding	Interest paid	Min–Max deposit	Rate
Short-term — under 1 year
1 month to less than 2 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · $500 minimum
1 – 2 months	Non-reg	N	Annually	At maturity	$500+	1.90%
2 months to less than 3 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · $500 minimum
2 – 3 months	Non-reg	N	Annually	At maturity	$500+	1.95%
3 months to less than 4 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · $500 minimum
3 – 4 months	Non-reg	N	Annually	At maturity	$500+	2.00%
4 months to less than 6 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · $500 minimum
4 – 6 months	Non-reg	N	Annually	At maturity	$500+	2.20%
6 months to less than 9 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · $500 minimum
6 – 9 months	Non-reg	N	Annually	At maturity	$500+	2.40%
Long-term — 1 year +
1 year	Non-reg	N	Annually	At maturity	$500+	3.10%
1 year	Non-regRRSPRRIFTFSAFHSA	Y	—	At maturity	$500+	3.00%
1 year	Non-reg	Y	—	At maturity	$500+	2.15%
15 months	Non-reg	N	Annually	At maturity	$500+	3.15%
18 months	Non-reg	N	Annually	At maturity	$500+	3.25%
2 years	Non-reg	N	Annually	At maturity	$500+	3.40%
3 years	Non-reg	N	Annually	At maturity	$500+	3.50%
4 years	Non-reg	N	Annually	At maturity	$500+	3.60%
5 years	Non-reg	N	Annually	At maturity	$500+	3.80%
9 months to less than 12 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · $500 minimum
9 – 12 months	Non-reg	N	Annually	At maturity	$500+	2.60%
Better Than Cash® GICRedeemable · paid at maturity · $500 minimum
1 year	Non-reg	Y	—	At maturity	$500+	2.30%
U.S. dollar — all terms
1 month to less than 2 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · US$500 minimum
1 – 2 months	Non-reg	N	Annually	At maturity	$500+	2.50%
2 months to less than 3 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · US$500 minimum
2 – 3 months	Non-reg	N	Annually	At maturity	$500+	2.60%
3 months to less than 4 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · US$500 minimum
3 – 4 months	Non-reg	N	Annually	At maturity	$500+	2.70%
4 months to less than 6 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · US$500 minimum
4 – 6 months	Non-reg	N	Annually	At maturity	$500+	2.80%
6 months to less than 9 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · US$500 minimum
6 – 9 months	Non-reg	N	Annually	At maturity	$500+	3.00%
9 months to less than 12 months (non redeemable)Non-redeemable · compounds annually · paid at maturity · US$500 minimum
9 – 12 months	Non-reg	N	Annually	At maturity	$500+	3.10%

Escalator GICs

rates confirmed as of 2026-10-13

The rate rises at each step of the term, usually each year. Yield is the effective annual yield the institution prints.

Product	Step 1	Step 2	Step 3	Step 4	Step 5	Step 6	Step 7	Yield
16-month escalators · 8-month steps
16 Month Flex GIC16 months · redeemable · min $500Non-reg	0.80%	4.25%	—	—	—	—	—	2.53%
3-year escalators
3 Year Rising Rate GIC3 years · min $500Non-reg	2.50%	3.50%	4.50%	—	—	—	—	3.50%
7-year escalators
7 Year Rising Rate GIC7 years · min $500Non-reg	0.60%	0.70%	0.80%	0.90%	1.00%	1.50%	2.00%	1.07%

Savings & chequing rates

rates confirmed as of 2026-10-13

Filter rates

Type	Product	Calculated	Paid	Min. balance	Rate
Savings
HISA	The High-Interest Savings Account - $0 +	—	—	$0	0.30%
Chequing
Chequing	Coast Capital Elevate Chequing Account	—	—	—	0.00%
Chequing	Coast Capital Unlimited Chequing Account	—	—	—	0.00%
Chequing	Coast Chequing Classic Account (Legacy Account - no longer offered)	—	—	—	0.00%
Chequing	Coast Chequing Prestige Account (Legacy Account - no longer offered)	—	—	—	0.00%
Chequing	Free Chequing, Free Debit, and More Account®	—	—	—	0.00%
USD	Coast US ChequingUS$	—	—	$0	0.00%

Mortgage rates

rates confirmed as of 2026-10-13

Filter rates

Term	Type	Open / closed	Insured	Posted rate
Amortization — 25 years or less
1-year	Fixed	Open	No	6.39%
1-year	Fixed	Closed	No	4.89%
1-year	Fixed	Closed	No	5.50%
2-year	Fixed	Closed	No	4.49%
2-year	Fixed	Closed	No	5.00%
3-year	Fixed	Closed	No	4.54%
3-year	Fixed	Closed	No	6.05%
4-year	Fixed	Closed	No	4.69%
4-year	Fixed	Closed	No	6.00%
5-year	Fixed	Closed	No	4.49%
5-year	Fixed	Closed	No	4.84%
5-year	Fixed	Closed	No	6.10%
6-year	Fixed	Closed	No	4.89%
6-year	Fixed	Closed	No	6.29%
7-year	Fixed	Closed	No	4.99%
7-year	Fixed	Closed	No	6.40%
8-year	Fixed	Closed	No	4.89%
8-year	Fixed	Closed	No	6.50%
9-year	Fixed	Closed	No	5.09%
9-year	Fixed	Closed	No	6.70%
10-year	Fixed	Closed	No	5.24%
10-year	Fixed	Closed	No	6.80%
1-year	Variable	Open	No	8.60%
5-year	Variable	Open	No	8.60%
5-year	Variable	Closed	No	3.69%
5-year	Variable	Closed	No	3.84%
5-Year Variable Rate - Closed (Up to 25 Year Amortization)Variable · closed · conventional · 5-year term
5-year	Variable	Closed	No	4.45%
Amortization — over 25 years
1-year	Fixed	Open	No	6.49%
1-year	Fixed	Closed	No	4.99%
2-year	Fixed	Closed	No	4.59%
3-year	Fixed	Closed	No	4.64%
4-year	Fixed	Closed	No	4.79%
5-year	Fixed	Closed	No	4.49%
5-year	Fixed	Closed	No	4.94%
6-year	Fixed	Closed	No	4.99%
7-year	Fixed	Closed	No	5.09%
8-year	Fixed	Closed	No	4.99%
9-year	Fixed	Closed	No	5.19%
10-year	Fixed	Closed	No	5.34%
5-year	Variable	Closed	No	3.69%
5-year	Variable	Closed	No	3.94%

We hunt. You gather.

Rates change without notice. Get rate alerts from Ratehunter and you'll be the first to know when Coast Capital Savings — or anyone else — posts a better rate.

Get rate alerts

Browse all institutions · Best GIC rates · Best HISA rates · Best mortgage rates