Rates

Rates effective as of March 1, 2010

Mortgage Rates

A complete listing of Mortgage Rates can be found on our Mortgage Web site . Since Mortgage needs can be unique, this site gives a personalized list of rates based on the criteria entered. Be sure to sign up for Rate Watchers , where Coastal will email you Mortgage rates on a regular basis, based on what type of rate you're looking for.

Check Mortgage Rates

Check Mortgage Rates

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Home Equity and Property Loan Rates

Product APR Fixed APR Variable Term
Home Equity Line-of-Credit (HELOC) ¹ Fees waived if $10,000 initial advance
60% of appraisal or tax value
Maximum APR 15.00%
Est. Fees $40-$450 ¹
Primary Residence Only
N/A 4.25% ²
Prime Plus One
-
75% of appraisal or tax value
Maximum APR 15.00%
Est. Fees $40-$450 ¹
Primary & Secondary Residence Only
N/A 4.75% ²

5.75% ² (Secondary Residence)
 
90% of appraisal or tax value
$250,000 maximum, Maximum APR 15%
Fees $40-$450 ¹
Primary & Secondary Residence Only
N/A 5.25% ²

6.75% ² (Secondary Residence)
-
Home Equity Loans ¹ Fees waived if $10,000 initial advance
80% of appraisal or tax value ¹ 6.50% - 5 years
80% of appraisal or tax value ¹ 7.00% - 10 years
80% of appraisal or tax value ¹ 7.50 % - 15 years
90% of appraisal or tax value ¹ 7.50% - 5 years
90% of appraisal or tax value ¹ 8.00% - 10 years
90% of appraisal or tax value ¹ 8.50% - 15 years
Home Improvement
90% of Property Value Estimate - No fees! 7.50% - 5 years
90% of Property Value Estimate - No fees! 8.00% - 10 years
Residential Lot Loan
80% or less Mortgage-to-Value (MTV)
5 year balloon/ 15 year amortization
(Purchases and no cash out refinances)
7.50% - -
80% or less Mortgage-to-Value (MTV)
(Purchases and no cash out refinances)
7.50% - 12 years
60% or less Mortgage-to-value (MTV) 8.50% - 12 years
  • Loan rates are subject to change daily.
  • APR means Annual Percentage Rate.
  • There are NO LOAN APPLICATION FEES.
  • Number of monthly payments is not predictable for variable rate loans.

See Truth in Lending Disclosure addendum in your loan packet for payment calculation method.

¹ Home equity loan fees are waived if the initial advance is $10,000 or greater and a balance remains on the books for at least 12 months. LOAN TO VALUE amount will be based on credit qualification.

² Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms.

Other terms & conditions

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Auto Loan Rates

Model Year APR Fixed Approx. Term
2010 - 2006 3.99% 48 mos
2005 - 2000 4.99% 48 mos

APR = Annual Percentage Rate. Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. Other rates and terms available. All rates and terms are subject to change without notice. Please stop by or call a Credit Union loan representative for full details.

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Visa Credit Card Rates

Product APR Fixed APR Variable Approx. Term
∞ Infinity Visa 11.99% - -

APR = Annual Percentage Rate. Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program.

Visa Credit Card Disclosures

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Other Loan Rates

Product APR Fixed APR Variable Approx. Term
New Recreational Vehicles
6.75% - 5 yrs
7.75% - 10 years
Used Recreational Vehicles
8.75% - 5 years
9.75% - 10 years
New Other Secured
motorcycle, horse trailer,
towing vehicles, jet skis, tractor
6.75% - 5 years
Used Other Secured
motorcycle, horse trailer,
towing vehicles, jet skis, tractor
9.25% - 5 years
New Mobile Homes: 100%
8.75% - 12 years
Used Mobile Homes: 90%
10.75% - 7 years
Unsecured Signature/Overdraft Protection
Closed End - 9.88% ¹ 5 years
Open End (Line of Credit)
$23/month/$1,000 - 9.88% ¹ 5 years
Common Stock
IBM Stock Line-of-Credit
70% of market value
- 5.38% 10 yrs
Common Stock
Other Stock/Mutual Funds
50% of market value
(NYSE, AMEX stock with
value over $10 per share)
- 5.38% -
Share Secured
No maximum. Certificates
(Add 2% to your Certificate Rate,
rounded up to next 1/4%)
- 2.50% -
  • APR = Annual Percentage Rate.
  • Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program.
  • Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms.
  • Other rates and terms available.
  • All rates and terms are subject to change without notice.

Please stop by or call a Credit Union loan representative for full details.

¹ Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. Other rates and terms available. All rates and terms are subject to change without notice. Please stop by or call a Credit Union loan representative for full details.

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Savings Rates

Last Changed: 1/1/10
Product Minimum Deposit Dividend Rate APY
Savings Rates ¹
Savings $25.00 .25% .25%
Special Savings $1.00 .25% .25%
Checking: Basic $1.00 - -
Checking: Go Green $.01 up to $50,000 2.23% 2.25%
Checking: Dividend $1.00 .30% .30%
Money Market $5,000 .30% .30%
Money Market $25,000 .35% .35%
Christmas Savings $1.00 .25% .25%
IRA Savings Account $1.00 .75% .75%
Health Savings Account (HSA) $1.00 2.96% 3.00%
Certificate Terms Minimum Deposit Dividend Rate APY
Certificate Rates ²
182-Day $500 .25% .25%
$10,000 .30% .30%
$50,000 .35% .35%
$100,000 .40% .40%
12-23 Month $500 .40% .40%
$10,000 .45% .45%
$50,000 .50% .50%
$100,000 .55% .55%
24-35 Month $500 .65% .65%
$10,000 .70% .70%
$50,000 .75% .75%
$100,000 .80% .80%
36-47 Month $500 1.04% 1.05%
$10,000 1.09% 1.10%
$50,000 1.14% 1.15%
$100,000 1.19% 1.20%
48-59 Month $500 1.14% 1.15%
$10,000 1.19% 1.20%
$50,000 1.24% 1.25%
$100,000 1.29% 1.30%
60-Month $500 1.24% 1.25%
$10,000 1.29% 1.30%
$50,000 1.34% 1.35%
$100,000 1.39% 1.40%
7-90 day Mini Jumbo $50,000 .30% .30%
Special 12-Month Student $100 .50% .50%
Investor's Choice 24-Month $10,000 .70% .70%
Investor's Choice 36-Month $10,000 1.09% 1.10%
Investor's Choice 48-Month $10,000 1.19% 1.20%

¹ Savings rates are subject to change daily. All member deposits are insured to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

² Early withdrawals from certificate accounts are subject to Credit Union penalty. All Savings and Certificate products are federally insured up to $250,000 by NCUA* Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. NCUA is the National Credit Union Administration, an agency of the United States government.

³ Early withdrawals from certificate accounts are subject to Credit Union penalty. **The Special 24 month Add-On IRA certificate offers a unique add-on feature which allows you to make additional deposits, i.e., new contributions (IRS contribution rules still may apply), rollovers, transfers, etc., throughout the duration of the 24 month term. Funds in IRA accounts are eligible for separate insurance protection up to $250,000 by NCUA. Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. *APY means Annual Percentage Yield.

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IRA Certificate Rates

Last Changed: 1/1/10
Product Minimum Deposit Dividend Rate APY
182-Day $500 .25% .25%
$10,000 .30% .30%
$50,000 .35% .35%
$100,000 .40% .40%
12-23 Month $500 .40% .40%
$10,000 .45% .45%
$50,000 .50% .50%
$100,000 .55% .55%
24-35 Month $500 .65% .65%
$10,000 .70% .70%
$50,000 .75% .75%
$100,000 .80% .80%
36-47 Month $500 1.04% 1.05%
$10,000 1.09% 1.10%
$50,000 1.14% 1.15%
$100,000 1.19% 1.20%
48-59 Month $500 1.14% 1.15%
$10,000 1.19% 1.20%
$50,000 1.24% 1.25%
$100,000 1.29% 1.30%
60-Month $500 1.24% 1.25%
$10,000 1.29% 1.30%
$50,000 1.34% 1.35%
$100,000 1.39% 1.40%
Special 24 Month (Add On ²) $500 .70% .70%
7-90 Day Mini Jumbo $50,000 .30% .30%
Investor's Choice 24-Month $10,000 .70% .70%
Investor's Choice 36-Month $10,000 1.09% 1.10%
Investor's Choice 48-Month $10,000 1.19% 1.20%

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Business Account Rates ¹

Product Minimum Deposit Dividend Rate APY
Business Savings $25.00 .25% .25%
Business Savings $5,000 .25% .25%
Business Community Checking $1.00 - -
Business Basic Checking $1.00 - -
Business Dividend Checking $1.00 .30% .30%
Business Money Market $5,000 .30% .30%
Business Money Market $25,000 .35% .35%

¹ Savings rates are subject to change daily. All member deposits are insured to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited.

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Coastal Federal Credit Union — Simply Brighter.