Rate Advantage Visa Credit Card

Your ideal choice when you need a lower interest rate to consolidate debt

Find the flexibility and convenience you need

Low, variable rate and great introductory offer

Get a 0% APR on Purchases & Balance Transfers for 6 Billing Cycles**. After that, the standard variable APR will be 9.50% to 18.00% on purchases and balance transfers

Here's how a Rate Advantage Visa Credit Card could help you bank better:

  • Low, variable rate and great introductory offer
  • 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
  • This card is eligible for an annual Loyalty Bonus payout
  • 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

Need a credit card with a better rate?

If you're struggling with a credit card that charges too much interest, Coastal has a better option. Our Rate Advantage Visa Credit Card has a low rate and lets you transfer your higher-interest balances and pay them down with an introductory offer interest-free for the first six months1. After that, this card gives you the purchasing power you need with a competitive variable rate that's friendlier to your finances.

Application and Solicitation Disclosure

Deposit-Growth Certificates
Deposit-Growth Certificates
Earn higher yields with our certificates of deposit, featuring competitive rates, flexible terms and a low minimum opening balance.

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. A special introductory offer on purchases and balance transfers 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. You may not transfer balances from one Coastal credit card to another, nor can it be used to make a payment on a Coastal loan.

2. 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

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

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