Coast Capital Savings GIC rates compared
Coast Capital Savings's best posted rate is 3.80% on a 5-year term. The best rate available in Canada for that term is 4.30%, from WealthONE Bank of Canada. Both are covered by deposit insurance.
Get Coast Capital GICsHow do Coast Capital Savings's GIC rates compare to the best in Canada?
On a 5-year term Coast Capital Savings posts 3.80% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | Coast Capital Savings | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 2.90% | 3.70% | −0.80 pts | WealthONE Bank of Canada |
| 2-year | 3.50% | 3.95% | −0.45 pts | WealthONE Bank of Canada |
| 3-year | 3.50% | 4.05% | −0.55 pts | WealthONE Bank of Canada |
| 4-year | 3.60% | 4.10% | −0.50 pts | WealthONE Bank of Canada |
| 5-year | 3.80% | 4.30% | −0.50 pts | WealthONE Bank of Canada |
Is Coast Capital Savings's GIC covered by CDIC?
Yes. Coast Capital Savings is a federal credit union, continued under the Bank Act and a CDIC member rather than covered by a provincial guarantee, so an eligible GIC held here is protected to $100,000 per depositor, per insured category.
The wording on Coast Capital's own rates page is "Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC)". Its guarantee is the federal $100,000 rather than the unlimited CUDIC guarantee that covers a British Columbia credit union. Coast Capital also operates the Prospera and Sunshine Coast Financial brands, and all three share that single $100,000 limit.
Federal. $100,000 per depositor, per member institution, per insured category.
Where do these Coast Capital Savings rates come from?
Directly from Coast Capital Savings's own posted rate page at coastcapitalsavings.com, read by hand on 2026-09-06. The page dates the rates themselves 2026-08-17.
All 13 terms Coast Capital Savings posts were captured in that read. No aggregator, no feed, no affiliate link.
Coast Capital Savings's posted rates on coastcapitalsavings.comHow we collect and check ratesWho should buy a GIC from Coast Capital Savings?
People who already bank at Coast Capital Savings, mostly. It does not lead any term we track, so what is left is the convenience of not moving money, priced below.
Common questions about Coast Capital Savings GICs
What is Coast Capital Savings's minimum GIC deposit?
$500. Published minimums across the 23 institutions that state one run $100 to $1,000.
Does Coast Capital Savings have the best GIC rate in Canada?
Not on a 5-year term. Coast Capital Savings posts 3.80% there, against 4.30% from WealthONE Bank of Canada: a gap of 0.50 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does Coast Capital Savings offer?
13 terms are posted on coastcapitalsavings.com, from 1 to 2 months to 5 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does Coast Capital Savings pay GIC interest monthly?
Coast Capital Savings does not post a separate interest-paid-monthly rate on coastcapitalsavings.com, so we do not publish one. Where an issuer posts one it is always lower than the compounding rate, which makes it worth asking before you choose monthly income.
Are these Coast Capital Savings rates promotional?
No. These are Coast Capital Savings's standard posted rates, which its own page dates 2026-08-17; we read them on 2026-09-06. Limited-time promotions are noted separately rather than used to move an institution up the ranking, because a promotional rate that expires before your term does is not a rate you can rely on.
How we collect and check ratesWhat would Coast Capital Savings's 2-year rate pay on your deposit?
On $50,000 it pays $3,561 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
Get next month's rates by email
One email a month with the best verified rate for every term, read off 28 issuers' own pages the same way every rate on this site is.
Independent and unaffiliated. Rates are read from Coast Capital Savings's own posted page at coastcapitalsavings.com and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.