Log In Flexible, secure savings solutions to meet your needs Achieve your savings goals faster with zero risk Personal Investing & Retirement Term Deposits Save for your goals, get extra features Stress-free ⁠savings power — Your investment will have guaranteed interest rates Stress-free savings power Your investment will have guaranteed interest rates Zero Risk, all the reward Deposits are 100% guaranteed* for worry-free saving Customizable for your goals A variety of terms & options to suit short & long-term needs More time earns you a higher rate The longer you save, the better your rate Registered product eligible Your term deposit can be part of a registered plan Support your neighbours Local deposits turn into loans for Island residents & businesses Other Reasons to Join? Term deposit options Whether you're saving for a major purchase or building your retirement nest egg, we have the right term deposit option for you. RATE CLIMBER Escalating rate, added flexibility The Rate Climber term deposit is perfect if you're looking for a longer term investment that rewards you with more interest every year. Key features: Rate increases each and every year 3 or 5 year terms The longer the term, the more you earn Fully or partially cashable on each anniversary More Details Compare Rates CASHABLE AND REDEEMABLE The flexibility you need for your short-term goals If you want an easily accessible and flexible place to build your savings, a Cashable or Redeemable term deposit is a great choice. Key features: Cashable term deposits can give you access to your funds at any time Redeemable term deposits give you access to your funds at any time Terms from 30 days to 5 years More Details Compare Rates NON-REDEEMABLE Lock in to enjoy higher rates If you don't need ready access to your money, a longer term non-redeemable term deposit helps maximize your return. Key features: Lock into a set term from 30 days to 5 years and receive higher rates than redeemable options The longer the term, the higher the rate More Details Compare Rates RATE OPTION Take advantage of rising rates This popular option gives you the security of a locked-in rate and the flexibility to change to a new rate when rates are rising. Key features: 2, 3, or 5 year terms If rates rise, you have the option to convert to the new interest rate once during the term More Details Compare Rates 90-DAY CONVERTIBLE Lock in rates with the ability to convert anytime If you need a short-term and flexible place to park your funds, the 90-Day Convertible Term Deposit is a great option. Key features: Perfect for parking money temporarily Convertible to another term deposit at any time More Details Compare Rates US DOLLAR Save and earn in US dollars If you have US dollars, earn interest on your money until you're ready to use or convert it. Key features: Save and earn interest without converting your US funds Lock into a set term from 30 days to 5 years The longer the term, the higher the rate More Details Compare Rates FROM THE LEARNING CENTRE How to open a term deposit in minutes If you have five minutes, you can open one of our more popular term deposits online and start earning interest right away. Here are all the steps: Learn How Connect with Coastal Community We're here for you. 1-888-741-1010 service@cccu.ca Find a branch/ATM Chat now Book a meeting ABOUT US Why Join? Our Story Media Reports Leadership Careers Member News COMMUNITY Programs Get Support SECURITY & PRIVACY Protecting Yourself Report Fraud Report Lost/Stolen Card Security/Privacy Policy Accessibility Legal TOOLS Rates Calculators LOGIN Online Banking Collabria Credit Card myCoastal Retirement Plan Qtrade Direct InvestingTM Insurance Connect Together, let's do great things. © Copyright 2021 Coastal Community Credit Union Check your Financial Health