RATE ADVANTAGE SECURED VISA®

Establish or rebuild a healthy credit score, all with a great rate.

RATE ADVANTAGE SECURED VISA® FEATURES

Build Your Credit
Establish or rebuild a healthy credit score by using your savings as collateral
NO HASSLES
Sleep easy with no annual fees or penalty rate3
Unrivaled Control
Access to Coastal CardNav**, giving you more security and control of your cards

Bank Better With a Rate Advantage Secured Visa®

  • This card is secured with a deposit into a special savings account of 110% of your approved credit limit. These deposited funds also earn you dividends
  • Features a variable rate as low as 17.50% APR1

The Control You Need

Resource Center

4 Benefits Of Credit Cards

Credit cards are an extremely valuable financial tool that may build or improve your credit when used responsibly. That means, spending within your means and paying your credit card bill on time to avoid paying interest and being in credit card debt.

Credit Card Fraud Text Alerts

Fraud text alerts are designed to help protect you by more quickly identifying fraudulent transactions, and reduces the inconvenience of having your card blocked for legitimate transaction that we couldn’t confirm.


Coastal's interest rates are low for credit cards and their website is easy to use!
A Coastal Member

Frequently Asked Questions

You can activate your credit card in two ways: by calling the number affixed to your card (888-691-8661) or by logging into Online Banking and click on your Credit Card Loan Details.  Then choose MyCardInfo.
If you would like to set a PIN for your card, simply call 888-891-2435 and follow the prompts.  If you have forgotten your PIN, contact us at 919-420-8000 or 800-868-4262.
You may access your credit card history, transactions, payments, and details within Online Banking.
Log into Online Banking and click on your Credit Card Loan Details > MyCardInfo > e-Statements to enroll. e-Statements are free and convenient. You can resume paper statements at any time.
The Annual Percentage Rate (APR) can be found on your monthly statement.

All loans are subject to approval. 

1. APR - Annual Percentage Rate. This APR will vary with the market based on the Prime Rate. 

2. Valid mobile phone number required.

3. Application and Solicitation Disclosure
Guide to Benefits
Consumer Credit Card Agreement

**Data and other wireless carrier charges may apply.

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