Coast Capital Savings
Coast Capital Savings is a credit union located in BC. It was founded in 2000 through the merger of Pacific Coast Savings Credit Union and Richmond Savings Credit Union. It 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 shape through the merger of Pacific Coast Savings and Richmond Savings in 2000, followed by Surrey Metro Savings in 2002.
Coast Capital became the first credit union from British Columbia to operate as a federal credit union, allowing it to serve members nationally under the federal credit union framework. It has also been associated with banking changes such as free chequing from a full service financial institution.
In 2026, Coast Capital completed a merger with Prospera Credit Union and Sunshine Coast Credit Union, forming a British Columbia headquartered federal credit union family of brands. Coast Capital provides personal and business banking, lending, mortgages, investments, and financial advice, with a focus on member service and community support.
| Metric | 2025 | YoY Change |
|---|---|---|
| Assets | $22.7B | +3.4% |
| Loans | $19.4B | +1.9% |
| Deposits | $19.1B | +3.2% |
| Mortgages + HELOCs | $14.4B | +2.2% |
| Efficiency Ratio | 87.1% | — |
| Members | 730,000 | — |
| Branches | 45 | — |
| Target Members | BC residents | — |
Mortgage Rates
| Lender | Term | Rate | |
|---|---|---|---|
| 5-Year Fixed | 3.99% | ||
| 5-Year Variable | 3.79% | ||
* 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. | |||
GIC Rates
| Term | Rate |
|---|---|
| 3-Month | 1.80% |
| 6-Month | 2.25% |
| 9-Month | 2.50% |
| 1-Year | 2.80% |
| 1.5-Year | 3.25% |
| 2-Year | 3.00% |
| 3-Year | 3.30% |
| 4-Year | 3.30% |
| 5-Year | 3.50% |
* 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. | |
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