Coastal Community Credit Union
This Page's Content Was Last Updated: July 21, 2026
Credit Union
Coastal Community
Coastal Community Credit Union is a credit union located in British Columbia. It was founded in 1945. It primarily serves Vancouver Island and the Gulf Islands.
Coastal Community Credit Union traces its origins to 1945, when Vancouver Island residents began organizing a cooperative financial institution. Nanaimo & District Credit Union was incorporated the following year and later became part of the institution now known as Coastal Community Credit Union.
Coastal Community has grown through mergers and acquisitions into the largest Island based financial organization serving Vancouver Island and the Gulf Islands. It offers personal, business, and commercial banking, along with insurance services and wealth management through related Coastal Community organizations and partners.
Coastal Community’s work focuses on financial health, local decision-making, and community investment. Through grants, scholarships, sponsorships, and local partnerships, it supports initiatives in the communities where its members and employees live and work.
Provinces served
Mortgage Rates
The mortgage rates on this page were last updated on August 5, 2026 at 5:46 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 6-Month Fixed | 6.09% | ||
| 1-Year Fixed | 4.99% | ||
| 2-Year Fixed | 4.49% | ||
| 3-Year Fixed | 4.24% | ||
| 4-Year Fixed | 4.34% | ||
| 5-Year Fixed | 4.24% | ||
| 7-Year Fixed | 5.04% | ||
| 10-Year Fixed | 5.34% | ||
| 5-Year Variable | 3.75% | ||
* 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
The GIC rates on this page were last updated on August 5, 2026 at 11:14 AM ET.
| Term | Rate |
|---|---|
| 1-Month | 1.25% |
| 3-Month | 1.50% |
| 6-Month | 2.25% |
| 9-Month | 2.50% |
| 1-Year | 2.70% |
| 1.5-Year | 3.00% |
| 2-Year | 3.00% |
| 3-Year | 3.10% |
| 4-Year | 3.20% |
| 5-Year | 3.25% |
* 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. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: ACCESS CHEQUING
- Standard Fee
- $7.95/mo
- Free Transactions
- 25
- Insurance Limit
- Unlimited
Account details
- This account allows 25 free transactions.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
2. Account: ACCESS UNLIMITED CHEQUING
- Standard Fee
- $14.95/mo
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
3. Account: CHEQUING PLUS
- Standard Fee
- $3.95/mo
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $1,000 in your account.
- This account allows 0 free transactions. Maximum 0 of these transactions can be carried out in branch.
- Unlimited free transactions are included when a minimum monthly balance of $1,000 or more is maintained.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $5,000 to $99,999.99 0.00% $100,000 or over 0.01% Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
4. Account: GOLDEN CHEQUING
- Standard Fee
- Free*
- Free Transactions
- 40
- Insurance Limit
- Unlimited
Account details
- This account allows 40 free transactions.
- *This account is available for seniors only.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
5. Account: STUDENT CHEQUING
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- *This account is available for youth and students only.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Accounts
Savings Account
Account: HIGH INTEREST SAVINGS
- Interest Rate
- 0.35%*
- Standard Fee
- Free
- Free Transactions
- 1
- Insurance Limit
- Unlimited
Account details
- This account allows 1 free transaction.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $24,999.99 0.350% $25,000 or over 0.500% Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Account
Account: REGULAR SAVINGS
- Interest Rate
- 0.10%
- Standard Fee
- Free
- Free Transactions
- 4
- Insurance Limit
- Unlimited
Account details
- This account allows 4 free transactions.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Credit Union Overview
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $3.53B | +3.8% | +7.9% |
| Loans | $3.01B | +7.4% | +19.9% |
| Deposits | $3.19B | +3.9% | +8.3% |
| Mortgages + HELOCs | $2.26B | +7.6% | +26.5% |
| Revenue | $105M | +9.4% | +23.5% |
| Efficiency Ratio | 84.6% | — | — |
| Members | ~110,000 | — | — |
| Branches | 24 | — | — |
| Target Members / Region | Vancouver Island and the Gulf Islands | — | — |
Coastal Community Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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Disclaimer:
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- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.