Rate Advantage Secured Visa Credit Card

Take control of your credit card needs

Your first step to a higher credit score

As low as 17.50% APR1

Here's how a Rate Advantage Secured Visa Credit Card could 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
  • Manage your account anytime through Online Banking and Mobile Banking
  • Sign up for free° fraud text alerts 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
  • Chip-enhanced EMV card provides added security
  • Other benefits include Visa Roadside Assistance and Auto Rental Collision Damage Waiver
  • 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

Just the Facts

Here's a unique way to get your line of credit.

At Coastal, we care about the people in our community and we understand how important access to credit can be. That's why we offer the Rate Advantage Secured Visa Credit Card as a way to establish or rebuild your credit, regardless of your history. Other financial institutions may turn you down, but we care about our North Carolina members and always want to help you bank better. By keeping up your monthly payments, you can work toward a higher credit score and access to cards with lower rates and more benefits.

Application and Solicitation Disclosure

Security Commitment
Security Commitment
Protect yourself from fraud and identity theft.

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. 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

Guide to Benefits
Consumer Credit Card Agreement (pdf)
Application and Solicitation Disclosure (pdf)

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