Coast Capital Savings
Canada’s largest credit union by membership — member-owned banking
Overview
Coast Capital Savings is a federally regulated credit union headquartered in Surrey, British Columbia, offering everyday banking, mortgages, investments and community-focused services across BC. It operates branches throughout Metro Vancouver, the Fraser Valley, Vancouver Island and the Okanagan and provides digital banking through a mobile app and online banking.
Current Rates
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 2.80% |
| 3-Year GIC | 3.30% |
| 5-Year GIC | 3.50% |
Pros
- • Highly competitive mortgage rates (5yr fixed at 3.79%)
- • Full-featured digital banking — app, online, e-Transfer and broad ATM access
- • Access to THE EXCHANGE + ACCULINK ATM network — thousands of surcharge-free ATMs
- • Extensive branch network with 47+ locations
Cons
- • Smaller institution — fewer specialized product tiers than major banks
Best For
Products & Accounts
Membership Eligibility
Typically excludes Quebec residents. Verify directly with this credit union.
Membership primarily for people who live or work in British Columbia; must open a membership to access products.
Coast Capital Savings became a federal credit union in 2018 and is now open to all Canadians, not just BC residents.
Deposit Protection
CDIC
$100,000 per category
As a federal credit union, Coast Capital is insured by CDIC (Canada Deposit Insurance Corporation) at $100,000 per eligible category.
Digital & Access
- Mobile App
- Online Banking
- Interac e-Transfer
- ATM NetworkTHE EXCHANGE Network + Ding-Free ATMs
- Digital Ratingexcellent
Rate and eligibility data is gathered from official credit union websites and verified comparison sources. Last researched Mar 28, 2026. Always verify rates directly on the official website before making financial decisions.
Official Website