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❄️❄️Branches and HQ are closed on Monday. Teller service is currently available. Visit the Inclement Weather page for details.❄️❄️

High Yield Savings

Give your savings a boost with our competitive rates.

Two account options let you decide how much dividends you'll earn

Here's how Coastal's High Yield Savings could help you bank better:

  • Only $100 needed to open your account
  • Rates are higher than regular checking or savings accounts
  • Manage your account through Online Banking and Mobile Banking
  • id AllySM : Our identity theft recovery program is included free with this product
Go Green Checking
Enjoy the highest checking rate in North Carolina and so much more.

COMPARE OUR HIGH YIELD SAVINGS

Account Benefits

Money Market

Learn More  VIEW RATES

  • No minimum length of time you must keep your Money Market Account open
  • Six electronic withdrawals permitted every month
  • This account is eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program

Go Green Money Market

Learn More  VIEW RATES

  • Make 30 purchases a month with your Coastal Credit Union Go Green Checking Debit Card and your Go Green Money Market Account will pay 1.75% APY*
  • Fewer than 30 purchases will earn a.35% APY*
  • Six electronic withdrawals permitted every month
  • This account is eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program

Resource Center

5 Simple Tips to Avoid Fees on Your Checking Account

Nobody likes to pay fees. But, the thing is, if you don't watch what you're doing, or if you don't ask the right questions, you could end up paying a few.

How to Create a Simple Budget

Building a budget can be a great way to help reduce financial stress and plan for the future. According to a recent Gallup poll, only 32% of Americans had a monthly budget to track income and expenditures and only 30% had a long-term savings plan.

Lunch Tracker - Visa

The LunchTracker app from Visa helps you mange your spending and start saving money.

Making a budget is now made easier with the LunchTracker app from Visa. Regardless if you pack, eat at home or out at a restaurant, this app allows you to track how much you are spending when you have lunch. Because regardless of how you enjoy your lunch, these charges all add up. Keeping track of this daily expense can help you set spending goals and start saving.

Download mobile apps:
  • Download on the App Store
  • Get it on Google Play

Coastal Digital Banking - Coastal Credit Union

Coastal has upgraded our online banking and mobile banking platforms to a brand new unified system, which we are calling Digital Banking.

Access your Coastal Federal Credit Union accounts, quickly and conveniently, wherever you are with COASTAL Digital Banking! COASTAL Digital Banking allows you to check balances, make transfers, pay bills, and more!

Download mobile apps:
  • Download on the App Store
  • Get it on Google Play

I can take care of all of my banking needs on MY schedule, not a retail bank's inconvenient schedule.
Dwight R.

Frequently Asked Questions

Frequently, we see that direct deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds with your full 14 digit account number. You may also provide the issuer of the deposit a voided check.

You may also want to validate the ABA Routing Number, 253175494.

Transferring funds is easy and free! Simply log into Digital Banking and select Transfer Funds. Follow the displayed prompts. Transfers may take up to 3-5 business days to credit.

You may also transfer funds from your Coastal account to another financial institution via a wire transfer. To initiate a wire transfer, please contact our Call Center at (800)868-4262, ext 6784 or 919-420-8000, ext 6784 or visit the nearest branch location.

Federal Regulations require us to have limitations on the number and types of withdrawals allowed on a savings account. Your savings accounts are limited to 5 teller withdrawals (this includes cash and official checks) per month. Any transactions in excess of 5 are charged a fee for each withdrawal. As an alternative, you can avoid this fee by performing a cash withdraw from your savings account at an ATM. It's good to know that ATM withdrawals from savings accounts do not count against your 5 monthly teller withdrawals, or the 6 monthly electronic withdrawals that are allowed by Federal Regulation D. Transfers made through Telephone Banking, Digital Banking, or our Transaction Call Center count towards the 6 monthly transactions allowed by Federal Regulation D. Any ACH (electronic) debits from savings count towards the 6 as well. Also, if a savings account is used for overdraft protection, then overdraft transfers from savings will also count towards the six transactions per month. If you find yourself coming close or exceeding your limits, you may want to consider a checking account at Coastal.

To set up a direct debit or credit to your account you will want to provide the ABA/Routing Number 253175494. If you have a checking account, please use the 14 digit number on the bottom of your checks. If you want to debit or credit another account with your Coastal account, please give us a call at 800-868-4262 or 919-420-8000. For security reasons, we will mail you the account details to set up direct debit or credit to your account.

If wiring U.S. Dollars, please provide the issuing institution the following instructions:

Bank Name: Coastal Credit Union
ABA/Routing Number: 253175494
Credit Name: (Your name and address)
Account Number: (Your 14-digit Coastal account number)

* APY = Annual Percentage Yield. APY is variable, is subject to change after the account is opened. APY is accurate as of the last dividend declaration date.  Minimum balance required to earn APY is $0.01.  Fees may reduce earnings. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

There is a limit of one Go Green Checking account and one Go Green Money Market account per Social Security Number.

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