Maximize your earnings with the highest yield certificate.

2.75%25 APY 18-month Certificate


Earn more money, faster.


Bar graph showing our 2.75%25APY 18 Month Certificate vs. PNC, First Citizen, BB&T, and  Bank of America 18-Mo Certificates


Our 2.25% APY* High-yield Certificate offers steady growth and guaranteed returns, so your money works for you.

  • Grow your money faster with dividends compounding daily, while many other financial institutions compound interest monthly, quarterly or annually

  • No maintenance fees
  • As little as $250 is needed to open an account

See how we stack up to the competitors.

  8 Months 12 Months 24 Months 36 Months 48 Months
Coastal 2.25% APY* 2.25% APY* 2.50% APY* 2.80% APY* 2.90% APY*
Bank of America N/A 0.05% APY 0.10% APY 0.55% APY 0.65% APY
BB&T N/A 2.23% APY 2.32% APY 0.30% APY 0.50% APY
First Citizen Bank N/A 1.98% APY 0.25% APY 0.30% APY 0.45% APY
PNC N/A 1.30% APY 2.00% APY 0.50% APY 0.75% APY
Open Now Call 800-868-4262
A Coastal Certificate can earn up to

3.00% APY*

Grow your money faster with Coastal's Certificates

*APY – Annual Percentage Yield.  Our APY is accurate as of 05/01/2019 and rates are subject to change. Other banks APY is accurate as of 04/24/2019. Early withdrawal penalty may reduce the earnings. Certificate requires $250 minimum to open and will automatically renew at the end of the term. The APYs for other financial institutions are based on SNL/S&P Global. Some financial institutions require minimum deposit amounts to earn listed rate. The APYs in this table are for the state of North Carolina. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site.  All financial products, shopping products, and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.

** Based on internet search of banks’ websites.