Term Deposits (GICs)
Guaranteed, low-risk investing: lock in your savings and watch them grow – worry free
What is a term deposit?
Put your money in a Term Deposit (also known as a GIC) and watch it grow safely. It’s a worry-free, low-risk investment because your money is fully guaranteed. You choose how long to keep your money in, and when the term is up, you get all your money back plus extra cash from the interest earned.
Your money is always safe with us. Your deposits are insured under the terms of the of the Credit Union Deposit Insurance Corporation (CUDIC). So, you can invest with peace of mind, knowing your savings are secure.
Guaranteed investment
Earn guaranteed interest on your investment without any risk of losing your principal.
Flexible options
Choose from a variety of investment terms and interest rates to suit your specific needs.
Fully insured
Feel secure in your investment with insurance provided by the Credit Union Deposit Guarantee Corporation.
Term Deposit (GIC) Offers
Explore our available Term Deposits. With great rates and flexible terms, Term Deposits (GICs) area agreat way to build your investment portfolio.
Non-Redeemable Term Deposit (GIC)
Perfect for you if…
You're looking to lock in a higher interest rate for a set amount of time – low risk investing at its best.
Key features
- Guarenteed rate of return with no risk of losing the princile
- Various term lengths to support any investment horizon
- Interest paid annually and/or at maturity
- Available for TFSA, RRSP, or RRIF plans
Redeemable Term Deposit (GIC)
Perfect for you if…
You're looking for a guarenteed rate of return with the flexibility to cash out any time – low risk investing at its best.
Key features
- Cash your investment at any time
- Various term lengths to support any investment horizon
- Interest paid annually and/or at maturity
- Available for TFSA, RRSP, or RRIF plans
CF Wealth Maximizer
Perfect for you if…
You're looking for a flexible, 3-year tiered-rate Term Deposit (GIC) with rates that increate each year.
Key features
- Rates increase each year
- Access to your funds annually
- Interest paid annually and/or at maturity
- Available for TFSA, RRSP, or RRIF plans
Get term deposits your way
A Coastal Financial Term Deposit is an investment in your community
When you buy a Coastal Financial Credit Union Term Deposit, you're also giving back to the communities of south-west Nova Scotia.
We're here to support our communities, not a group of rich shareholders. This means our profits stay local to support our products and services to our members and helping our communities thrive.
From housing and food insecurity to financial literacy and local cultural events, Coastal Financial supports 75+ local organizations and events each year. Come see how we're living our purpose to support and enhance the social and economic wellbeing of the communities we serve.
We're here to support our communities, not a group of rich shareholders. This means our profits stay local to support our products and services to our members and helping our communities thrive.
From housing and food insecurity to financial literacy and local cultural events, Coastal Financial supports 75+ local organizations and events each year. Come see how we're living our purpose to support and enhance the social and economic wellbeing of the communities we serve.
Select Image
Not sure which term deposit is right for you?
We’ll be happy to help you pinpoint the option that best suits your goals.
Select Image
Investing rates
Take a look at the latest competitive rates on offer for our term deposits
Select Image
Security Legal Site Map Privacy Ombudservice
Copyright 2025 Coastal Financial Credit Union. All rights reserved.
Mortgage Licesnse 3000026
Coastal Financial Credit Union is a credit union operating in Nova Scotia. Deposits are insured under the terms of the Credit Union Deposit Insurance Corporation.
Copyright 2025 Coastal Financial Credit Union. All rights reserved.
Mortgage Licesnse 3000026
Coastal Financial Credit Union is a credit union operating in Nova Scotia. Deposits are insured under the terms of the Credit Union Deposit Insurance Corporation.
