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Low Rate Credit Cards

Save Money when consolidating higher-rate cards

Put yourself in control with these credit card options

Here's how Coastal's Low Rate Credit Cards could help you bank better:

  • With rates as low as 9.00% APR†, the Rate Advantage Visa Credit Card is ideal for consolidating higher-rate cards
  • If you need to build credit, the Rate Advantage Secured Visa Credit Card is the ideal option
  • No annual fee or penalty rate
  • Manage your account anytime through Digital Banking and Mobile Banking
  • Sign up for free° fraud text alerts in Digital Banking
  • Secure transactions via Apple Pay™ and Visa Checkout
  • Chip-enhanced EMV card provides added security
  • These cards are eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program
  • Each time you use your card, we donate one cent to the Coastal Credit Union Foundation
  • id AllySM : Our identity theft recovery program is included free° with this product

Application and Solicitation Disclosure

Security Commitment
Protect yourself from fraud and identification theft.

COMPARE OUR LOW RATE CREDIT CARDS

Credit Cards Benefits

Rate Advantage Visa Credit Card

  • Keep more money in your wallet with our lowest rate credit card
  • No annual fee or penalty rate
  • Manage your account anytime through Digital Banking and Mobile Banking
  • This card is eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program

Rate Advantage Secured Visa Credit Card

  • Helps you establish or rebuild a healthy credit score by allowing you to use your savings as collateral
  • No annual fee or penalty rate
  • Manage your account anytime through Digital Banking and Mobile Banking
  • This card is eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program
Credit Cards Key Benefit Intro Offer After Intro Period Annual Fee

Rate Advantage Visa Credit Card

Keep more money in your wallet with our lowest rate credit card 0% APR on Purchases and Balance Transfers – first 6 billing cycles*

9.00% to 18.00%† APR

None

Rate Advantage Secured Visa Credit Card

Helps you establish or rebuild your credit history N/A

17.00% APR

None

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.

* A special introductory purchase and balance transfer rate of 0.00% APR applies for 6 months from the account open date. At the end of 6 billing cycles, the transferred balances will migrate to the standard rate qualified for. Fees tied to balance transfers do apply.

† Lowest rate based on Coastal Federal Credit Union's Qualified Loan Program. All loans are subject to approval. Your rate may vary and is determined by your credit worthiness. This ANNUAL PERCENTAGE RATE (APR) will vary with the market based on the Prime Rate. Normal credit approval applies.

° Data and other wireless carrier charges may apply

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