Coast Capital Savings
This Page's Content Was Last Updated: July 21, 2026
Important Information
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Managing $22.7 billion in total assets, Coast Capital Savings stands as the #5 largest credit union in Canada. Our independent review breaks down Coast Capital Savings’s consumer offerings, deposit safety under the Canada Deposit Insurance Corporation (CDIC), and competitive rates for British Columbia depositors and home buyers.
Jump to Section: Institution Overview•Mortgage Rates•GIC Rates•Financial Performance
Credit Union
Coast Capital Savings
Coast Capital Savings is a credit union located in British Columbia. It was founded in 2000 through the merger of Pacific Coast Savings Credit Union and Richmond Savings Credit Union. It primarily serves BC residents.
Coast Capital Savings is a British Columbia–based federal credit union headquartered in Surrey, with roots reaching back to the 1940s. It took its current shape through the 2000 merger of Pacific Coast Savings and Richmond Savings, followed by Surrey Metro Savings in 2002, and later became the first British Columbia credit union to operate as a federal credit union, allowing it to serve members nationally. In 2026, Coast Capital merged with Prospera Credit Union and Sunshine Coast Credit Union, which now operate under the combined brand Prospera and Sunshine Coast Financial. Coast Capital offers personal and business banking, mortgages, lending, investments, and financial advice, and was an early proponent of free everyday chequing. Member deposits are insured by the Canada Deposit Insurance Corporation (CDIC).
Serves
Main Focus
Number of Members (as of 2025): ~730,000
Coast Capital Savings Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Uninsured home ≥ $1M or refinances |
|---|---|---|---|---|
| Coast Capital Savings | 1-Year Fixed | — | 4.89% | 4.99% |
| Coast Capital Savings | 2-Year Fixed | — | 4.39% | 4.49% |
| Coast Capital Savings | 3-Year Fixed | — | 4.49% | 4.59% |
| Coast Capital Savings | 4-Year Fixed | — | 4.64% | 4.74% |
| Coast Capital Savings | 5-Year Fixed | 4.19% | 4.74% | — |
| Coast Capital Savings | 6-Year Fixed | — | 4.89% | 4.99% |
| Coast Capital Savings | 7-Year Fixed | — | 4.89% | 4.99% |
| Coast Capital Savings | 8-Year Fixed | — | 4.89% | 4.99% |
| Coast Capital Savings | 9-Year Fixed | — | 5.09% | 5.19% |
| Coast Capital Savings | 10-Year Fixed | — | 5.09% | 5.19% |
| Coast Capital Savings | 5-Year Variable | 3.69% | 3.84% | — |
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | ||||
Looking for fine-print details? Read our comprehensive Coast Capital Savings Mortgage Rates, Prepayment Privileges & Penalty Review to learn about annual lump-sum rules, payment increases, and early payout calculations.
Coast Capital Savings GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 3-Month | 1.80% | 1.80% |
| 6-Month | 2.25% | 2.25% |
| 9-Month | 2.50% | 2.50% |
| 1-Year | 3.10% | 3.10% |
| 1.5-Year | 3.25% | 3.25% |
| 2-Year | 3.50% | 3.50% |
| 3-Year | 3.50% | 3.50% |
| 4-Year | 3.60% | 3.60% |
| 5-Year | 3.80% | 3.80% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | ||
Coast Capital Savings Ranking Among Credit Unions Monitored by WOWA
5th
by Assets
of 134 credit unions
5th
by Loans
of 133 credit unions
5th
by Deposits
of 133 credit unions
Coast Capital Savings ranks 5th among Canadian credit unions by assets monitored by WOWA, 5th by loans, and 5th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Coast Capital Savings Branch Locations
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Coast Capital Elevate Chequing Account
- Standard Fee
- $16.95/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- $100,000 per category
Account details
- This account allows Unlimited free transactions.
- 2 free withdrawals from Interac network ATMs in Canada are included each month. Three free international ATM withdrawals are included each year.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Coast Capital Elevate Chequing Account is a chequing account with unlimited transactions and Interac e-Transfers. It includes ID Assist, Coursera access, 50 Canadian cheques annually, 2 Interac-network ATM withdrawals in Canada per month, and 3 international ATM withdrawals per year. The monthly fee is reduced based on age, account balance, or eligible direct deposit.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
2. Account: Coast Capital Unlimited Chequing Account
- Standard Fee
- $8.50/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- $100,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $4,000 in your account.
- The account fee may be waived for students and youth.
- The account fee might be waived for seniors.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Coast Capital Unlimited Chequing Account is a chequing account with unlimited day-to-day transactions and free Interac e-Transfers. It includes ID Assist identity theft protection and 25 free Canadian cheques per year. The monthly fee can be waived based on age or a $4,000 daily balance, or reduced with eligible direct deposit.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
3. Account: Free Chequing, Free Debit, and More Account
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- $100,000 per category
Account details
- This account allows Unlimited free transactions.
- Interac e-Transfers do not count toward the transaction limit.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Coast Capital Free Chequing, Free Debit, and More Account is a no-monthly-fee chequing account with no minimum balance requirement and unlimited day-to-day transactions. It includes free withdrawals at Coast Capital and THE EXCHANGE ATMs and free incoming Interac e-Transfers, while sending an Interac e-Transfer costs $1.50.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Accounts
Savings Account
Account: The High-Interest Savings Account
- Interest Rate
- 0.30%
- Standard Fee
- Free
- Free Transactions
- 2
- Max e-Transfer / Day
- $3,000
- Insurance Limit
- $100,000 per category
Account details
- This account allows 2 free transactions.
- Maximum Interac e-Transfer per day: $3,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- Coast Capital High-Interest Savings Account is a no-monthly-fee savings account with 2 included transactions per month. Additional transactions cost $5 each, while deposits and electronic transfers between Coast Capital accounts are free and unlimited. Sending an Interac e-Transfer costs $1.50, while receiving one is free.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $22,684M | +3.4% | +5.1% |
| Loans | $19,364M | +1.9% | +7.9% |
| Deposits | $19,087M | +3.2% | +5.3% |
| Loan-to-Deposit Ratio | 101.5% | — | — |
| Mortgages + HELOCs | $14,352M | +2.2% | +17.7% |
| Securities | $2,687M | +24.3% | +3.4% |
| Revenue | $508M | +5.4% | -0.4% |
| Efficiency Ratio | 87.1% | — | — |
| Target Members / Region | BC residents | — | — |
Coast Capital Savings Deposits, Loans and Revenue in the Past 5 Years
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Contact
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