Provider review

Coast Capital

FCACDirect lenderLast reviewed August 25, 2026

Savings

8.7

Overall

Our verdict

Coast Capital is a credit union with live offers in {market}. Membership and eligibility rules sit with the credit union — compare the published {rateAbbr} and whether you can join.

Cost: 8.6
Flexibility: 8.6
Transparency: 8.8
Service: 8.6

James Okonkwo · Editor, cards and deposits · Scores are editorial and do not affect list order, which is set on published price.

Our review

Suits: A credit-union deposit or loan when you meet the membership rules and the offer is live.

What stands out

Credit union
Member-owned
Live apply link

Coast Capital is listed in Canada as a credit union. Check membership before you treat the APR as available to you. Related: banks and deposit-takers, savings.

Supervision: OSFI and the FCAC. Editorial review — not advice.

Pros

Not a bank brand; still licensed and listed only with a working apply link.
Eligible deposits follow the protection scheme that applies to that entity.
Published terms are on the card, not a provincial average.

Cons

Membership or geography can block an application that looks fine on rate.
Fewer product lines than a Schedule I bank.

Questions about Coast Capital

Is a credit union covered like a bank?

Eligible deposits are protected under the scheme that applies to that credit union. Read CDIC coverage and the entity name on the card.

Products you can apply for

1 products in this market

Coast Capital Savings

Savings account

8.74.4(1)

Savings rate: 3%–3.5%
Deposit: n/a

Free withdrawals
FCAC

Open account

Full review

Illustration at the lowest listed rate on a round deposit for one year, before tax; rates are variable unless the account is fixed.

Example

Anyone living in Canada outside Quebec can apply for membership. Approved members buy $5 in Membership Equity Shares (a one-time investment, not a fee). Mortgage and personal-loan rates are not posted on the public site. Homepage GIC specials: 3.50% on a 2-year non-redeemable GIC and 3.00% on a 1-year redeemable GIC (net-new deposits). Source: coastcapitalsavings.com membership details and homepage, 2026-08-27.

Coast Capital: Anyone living in Canada outside Quebec can apply for membership. Approved members buy $5 in Membership Equity Shares (a one-time investment, not a fee). Mortgage and personal-loan rates are not posted on the public site. Homepage GIC specials: 3.50% on a 2-year non-redeemable GIC and 3.00% on a 1-year redeemable GIC (net-new deposits). Source: coastcapitalsavings.com membership details and homepage, 2026-08-27.

Reader reviews

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