About Coastal Community Credit Union
Coastal Community Credit Union is a member-owned credit union incorporated in 1946 as Nanaimo & District Credit Union, and is the largest Vancouver Island-based financial services organization with over 110,000 members and clients. It provides personal, business and commercial banking, with insurance and wealth management through subsidiaries. On January 1, 2026 it merged with Integris Credit Union, which now operates as a division serving north-central BC.
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Access: Geographically restricted · Open common bond
Eligible provinces: British Columbia
How to join: Open a membership at a branch or online as a resident of the service area and purchase a membership share.
Notes: Must reside or work in BC; $5 share. Largest CU on Vancouver Island outside Tru/Beem footprint.; $5 share; open membership
Deposit protection: Credit Union Deposit Insurance Corporation of British Columbia
100% unlimited deposit protection; administered by BCFSA
Current top rates
rates confirmed as of 2026-10-07| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.20% |
| 2-year GIC | 3.45% |
| 3-year GIC | 3.65% |
| 4-year GIC | 3.60% |
| 5-year GIC | 3.80% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-07Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 89 days | Non-reg | N | — | At maturity | — | 1.25% |
| 90 – 179 days | Non-reg | N | — | At maturity | — | 1.50% |
| 180 – 269 days | Non-reg | N | — | At maturity | — | 2.25% |
| 270 – 364 days | Non-reg | N | — | At maturity | — | 2.50% |
| Convertible – RRSP, RIF, TFSApaid at maturity | ||||||
| 90 days | RRSPRRIFTFSA | N | — | At maturity | — | 2.30% |
| 90 days | Non-regRRSPRESPRDSPRRIFTFSA | Y | — | At maturity | — | 2.30% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | cashable | — | At maturity | — | 2.15% |
| 1 year | Non-reg | Y | — | At maturity | — | 2.20% |
| 18 months | Non-reg | Y | — | At maturity | — | 2.15% |
| Longer Term Non-RedeemableNon-redeemable · paid at maturity | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 3.20% |
| 18 months | Non-reg | N | — | At maturity | — | 3.25% |
| 2 years | Non-reg | N | — | At maturity | — | 3.45% |
| 3 years | Non-reg | N | — | At maturity | — | 3.65% |
| 4 years | Non-reg | N | — | At maturity | — | 3.60% |
| 5 years | Non-reg | N | — | At maturity | — | 3.80% |
| Rate Option Term DepositNon-redeemable · paid at maturity | ||||||
| 2 years | Non-reg | N | — | At maturity | — | 3.25% |
| 3 years | Non-reg | N | — | At maturity | — | 3.35% |
| 5 years | Non-reg | N | — | At maturity | — | 3.30% |
| U.S. dollar — all terms | ||||||
| 30 – 89 days | Non-reg | N | — | At maturity | — | 0.20% |
| 90 – 179 days | Non-reg | N | — | At maturity | — | 0.35% |
| 180–364 days | Non-reg | N | — | At maturity | — | 0.80% |
| 1 year | Non-reg | N | — | At maturity | — | 1.20% |
| 18 months | Non-reg | N | — | At maturity | — | 1.45% |
| 2 years | Non-reg | N | — | At maturity | — | 1.70% |
| 3 years | Non-reg | N | — | At maturity | — | 1.90% |
| 4 years | Non-reg | N | — | At maturity | — | 2.20% |
| 5 years | Non-reg | N | — | At maturity | — | 2.50% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-07The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 3-year escalators | ||||||
| 3-Year Rate Climber Term Deposit3 yearsNon-reg | 2.95% | 3.15% | 3.50% | — | — | 3.20% |
| 5-year escalators | ||||||
| 5-Year Rate Climber Term Deposit5 yearsNon-reg | 2.90% | 3.00% | 3.20% | 3.40% | 4.00% | 3.30% |
Savings & chequing rates
rates confirmed as of 2026-10-07Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Investment Savings | — | — | $0 | 0.10% |
| Savings | Investment Savings | — | — | $5,000 | 0.10% |
| Savings | Investment Savings | — | — | $10,000 | 0.10% |
| Savings | Investment Savings | — | — | $25,000 | 0.15% |
| Savings | Investment Savings | — | — | $60,000 | 0.15% |
| Savings | Investment Savings | — | — | $100,000 | 0.15% |
| Savings | Investment Savings | — | — | $150,000 | 0.15% |
| Savings | Investment Savings | — | — | $250,000 | 0.15% |
| Savings | One Grand Plan Savings Account | — | — | $0 | 0.40% |
| Savings | Regular Savings | — | — | — | 0.10% |
| HISA | High Interest Savings Account | — | — | $0 | 0.50% |
| HISA | Personal High Interest Savings | — | — | $0 | 0.35% |
| HISA | Personal High Interest Savings | — | — | $5,000 | 0.35% |
| HISA | Personal High Interest Savings | — | — | $25,000 | 0.50% |
| HISA | Personal High Interest Savings | — | — | $100,000 | 0.50% |
| HISA | Personal High Interest Savings | — | — | $250,000 | 0.50% |
| HISA | Personal High Interest Savings | — | — | $500,000 | 0.50% |
| HISA | Personal High Interest Savings | — | — | $1,000,000 | 0.50% |
| Junior | Junior & Youth Savings | — | — | — | 0.10% |
| Chequing | |||||
| Chequing | Chequing Plus | — | — | $5,000 | 0.00% |
| Chequing | Chequing Plus | — | — | $100,000 | 0.01% |
| TFSA | |||||
| TFSA | Tax-Free Savings Account | — | — | $0 | 0.40% |
| Other accounts | |||||
| USD | Foreign Currency Account – USD FundsUS$ | — | — | $0 | 0.00% |
| USD | Foreign Currency Account – USD FundsUS$ | — | — | $1,000 | 0.00% |
| USD | Foreign Currency Account – USD FundsUS$ | — | — | $5,000 | 0.00% |
| USD | Foreign Currency Account – USD FundsUS$ | — | — | $50,000 | 0.00% |
| USD | Foreign Currency Account – USD FundsUS$ | — | — | $100,000 | 0.01% |
| GBP | Foreign Currency Account – GBP Funds£ | — | — | $0 | 0.00% |
| GBP | Foreign Currency Account – GBP Funds£ | — | — | $1,000 | 0.00% |
| GBP | Foreign Currency Account – GBP Funds£ | — | — | $5,000 | 0.00% |
| GBP | Foreign Currency Account – GBP Funds£ | — | — | $50,000 | 0.00% |
| GBP | Foreign Currency Account – GBP Funds£ | — | — | $100,000 | 0.00% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-07Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.65% |
| 1-year | Fixed | Open | No | 9.65% |
| 6-month | Fixed | Closed | No | 6.09% |
| 1-year | Fixed | Closed | No | 4.99% |
| 2-year | Fixed | Closed | No | 4.54% |
| 3-year | Fixed | Closed | No | 4.69% |
| 4-year | Fixed | Closed | No | 4.59% |
| 5-year | Fixed | Closed | No | 4.44% |
| 7-year | Fixed | Closed | No | 5.04% |
| 10-year | Fixed | Closed | No | 5.34% |
| 1-year | Variable | Open | No | 5.45% |
| 5-year | Variable | Closed | No | 4.05% |
| 3-year | Fixed | Closed | Yes | 4.44% |
| 5-year | Variable | Closed | Yes | 3.75% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Primeline Home Equity Line of Credit | 4.95% |
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