Rate Advantage Secured Visa Credit Card

Take control of your credit card needs

Your first step to a higher credit score

Here’s how a Rate Advantage Secured Visa Credit Card can help you bank better:

  • Take control of your credit card needs with rates as lows as 15.25% APR1
  • Just the Facts

Here’s how a Rate Advantage Secured Visa Credit Card can help you bank better:

  • Helps you establish or rebuild a healthy credit score by allowing you to use your savings as collateral
  • No annual fee or penalty rate
  • Other benefits  include Visa Roadside Assistance and Auto Rental Collision Damage Waiver
  • Application and Solicitation Disclosure

Here’s how a Rate Advantage Secured Visa Credit Card can help you bank better:

  • Manage your account anytime through Online Banking and Mobile Banking
  • Sign up for free fraud text alerts2 in Online Banking
  • Your credit card is automatically enrolled in Visa Account Updater (VAU).  VAU is a program that automatically sends participating merchants your card data every time it changes, including recurring payments and card-on-file relationships
  • Secure transactions via Apple Pay™ and Visa Checkout
  • id AllySM : Our identity theft recovery program is included free° with this product


Go Green Checking
Go Green Checking
Enjoy the highest checking rate* in North Carolina and so much more.
* Source: Informa Research Services

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

If you have forgotten your PIN, please contact our Contact Center at 919-420-8000 that is available 24 hours a day for assistance. Representatives are available 7 days a week, 24 hours a day. Or you may log into Digital Banking and send us a request by secure message. Once we receive your request we will send the PIN to you in the mail.

You should receive your new card within the month that the card is set to expire. To prevent any delays getting you a card, please ensure your address on record is correct. If you do not receive your new card, please contact our Member Contact Center at cardservices@coastalfcu.org or call 919-420-8000.

Yes, in most cases these cards can be used outside of the United States; however, to better serve you while traveling its best to notify us for improved security and access to your accounts. By knowing when and where you are traveling, allows us to strive to minimize the chances of your card(s) being blocked or flagged for unusual activity. To notify us, please call our Contact Center at 800-868-4262. For your convenience you can access cash at ATM locations worldwide.

To receive a replacement just give us a call at 800-868-4262 or 919-420-8000. Please allow 7 to 10 business days to receive the replacement card.

If you suspect your debit card has been blocked you may contact us at 888-241-2440, or if outside of the U.S. contact them at 909-941-1034. If your credit card has been blocked, you may call 800-868-4262. To help ensure uninterrupted use of your card, notify us in advance that you are traveling so we may flag your account with the travel destination and dates of your trip so a financial surprise doesn't spoil your trip.

  1.  APR - Annual Percentage Rate
    Guide to Benefits
    Consumer Credit Card Agreement
    Application and Solicitation Disclosure
  2. Data and other wireless carrier charges may apply

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