Credit union · BC
Coast Capital Savings mortgage rates
Short answer
Coast Capital Savings's lowest 5-year fixed rate on its own website was 4.51% (insured) when we read it on Nov 13, 2026. Its posted 5-year rate was 6.10%, 1.59 points higher. Its lowest variable was 3.81%. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial.
What are Coast Capital Savings's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 4.84% | 5.50% | 0.66 pts | $2,862.65 | $3,051.96 |
| 2-year | 4.43% | 5.00% | 0.57 pts | $2,747.94 | $2,908.02 |
| 3-year | 4.53% | 6.05% | 1.52 pts | $2,775.71 | $3,213.91 |
| 4-year | 4.64% | 6.00% | 1.36 pts | $2,806.41 | $3,199.03 |
| 5-year | 4.51% insured | 6.10% | 1.59 pts | $2,770.15 | $3,228.81 |
| 6-year | 4.82% | 6.29% | 1.47 pts | $2,857.00 | $3,285.72 |
| 7-year | 4.90% | 6.40% | 1.50 pts | $2,879.63 | $3,318.87 |
| 8-year | 5.01% | 6.50% | 1.49 pts | $2,910.87 | $3,349.12 |
| 9-year | 5.12% | 6.70% | 1.58 pts | $2,942.28 | $3,409.97 |
| 10-year | 5.23% | 6.80% | 1.57 pts | $2,973.84 | $3,440.56 |
What does Coast Capital Savings's 5-year rate cost on $500,000?
| Coast Capital Savings special | 4.51%read Nov 13, 2026 |
|---|---|
| Coast Capital Savings posted | 6.10% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,770.15 → $3,228.81 |
| Interest difference over 5 years | $38,280 |
Open this example in the calculator →Computed Nov 13, 2026.
Which Coast Capital Savings rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | special | 4.84% APR 4.94% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 1-year | Fixed | Not split | special | 4.94% APR 5.04% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 1-year | Fixed | Not split | posted | 5.50% APR 5.60% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 2-year | Fixed | Not split | special | 4.43% APR 4.49% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | special | 4.53% APR 4.59% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | posted | 5.00% APR 5.06% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 3-year | Fixed | Not split | special | 4.53% APR 4.57% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | special | 4.63% APR 4.67% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | posted | 6.05% APR 6.09% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 4-year | Fixed | Not split | special | 4.64% APR 4.67% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 4-year | Fixed | Not split | special | 4.74% APR 4.77% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 4-year | Fixed | Not split | posted | 6.00% APR 6.03% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 5-year | Variable | Insured | special | 3.81% APR 3.83% | Up to 25 Year Amortization Rate effective 09-Nov-26 For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans only. This is a variable rate product w… | page as of Nov 9, 2026 |
| 5-year | Variable | Insured | special | 3.81% APR 3.83% | More than 25 Year Amortization Rate effective 09-Nov-26 This is a variable rate product which will fluctuate with Coast Capital Savings Federal Credit Union | page as of Nov 9, 2026 |
| 5-year | Variable | Not split | special | 4.11% APR 4.13% | Up to 25 Year Amortization Rate effective 09-Nov-26 This is a variable rate product which will fluctuate with Coast Capital Savings Federal Credit Union | page as of Nov 9, 2026 |
| 5-year | Variable | Not split | special | 4.21% APR 4.23% | More than 25 Year Amortization Rate effective 09-Nov-26 This is a variable rate product which will fluctuate with Coast Capital Savings Federal Credit Union | page as of Nov 9, 2026 |
| 5-year | Fixed | Insured | special | 4.51% APR 4.53% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 For new high-ratio-insured, closed, residential (owner-occupied) first mortgage loans only. | page as of Nov 9, 2026 |
| 5-year | Fixed | Insured | special | 4.51% APR 4.53% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 5-year | Variable | Not split | posted | 4.70% APR 4.72% | Rate effective 09-Nov-26 Posted variable mortgage rates are used in Mortgage term break calculations | page as of Nov 9, 2026 |
| 5-year | Fixed | Not split | special | 4.76% APR 4.78% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 5-year | Fixed | Not split | special | 4.86% APR 4.88% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 5-year | Fixed | Not split | posted | 6.10% APR 6.12% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 6-year | Fixed | Not split | special | 4.82% APR 4.84% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 6-year | Fixed | Not split | special | 4.92% APR 4.94% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 7-year | Fixed | Not split | special | 4.90% APR 4.92% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 7-year | Fixed | Not split | special | 5.00% APR 5.02% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 7-year | Fixed | Not split | posted | 6.40% APR 6.42% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 8-year | Fixed | Not split | special | 5.01% APR 5.03% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 8-year | Fixed | Not split | special | 5.11% APR 5.13% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 8-year | Fixed | Not split | posted | 6.50% APR 6.52% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 9-year | Fixed | Not split | special | 5.12% APR 5.14% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 9-year | Fixed | Not split | special | 5.22% APR 5.24% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 9-year | Fixed | Not split | posted | 6.70% APR 6.72% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
| 10-year | Fixed | Not split | special | 5.23% APR 5.25% | Fixed Rate Mortgages Up to 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 10-year | Fixed | Not split | special | 5.33% APR 5.35% | Fixed Rate Mortgages More than 25 Year Amortization Rate effective 09-Nov-26 Interest rate and approval based on risk profile. | page as of Nov 9, 2026 |
| 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | Rate effective 30-Jun-26 Posted fixed mortgage rates are used in Mortgage term break calculations Rate (Up to 25 Year Amortization) | page as of Jun 30, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 13, 2026; check the lender's page before relying on any rate.
How does Coast Capital Savings charge to break a mortgage early?
Prepayment and penalties
We didn't find Coast Capital Savings's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Coast Capital Savings posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Credit union lending in BC. Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
MortgageRateToday.ca isn't affiliated with Coast Capital Savings and isn't paid by any lender.
Frequently asked questions
What is Coast Capital Savings's 5-year fixed mortgage rate?
On Nov 13, 2026, Coast Capital Savings's own website showed 4.51% (insured) for a 5-year fixed and a posted 5-year fixed rate of 6.10%. Rates change often; check the lender's page.
What is Coast Capital Savings's variable mortgage rate?
The lowest closed variable rate on its page was 3.81% for a 5-year term, with Coast Capital Savings's prime at 4.70%.
Primary sources
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