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Certificate Rates

Strengthen your savings with some of our highest rates.

Coastal Certificates can help you reach your savings goal

Here's the ideal place for your excess cash.

If you have at least $250 that you can leave untouched for several months or years, our Certificate Rates will grow your money steadily over the course of various terms. As a not-for-profit North Carolina credit union, our rates are structured to maximize your savings.

Special Promotional Term Certificate Rates

Terms Minimum Deposit Dividend Rate APY
7-90 Day Mini Jumbo1,2 $50,000 .50% .50% APY*
27 Month Special1,2 $250 2.72% 2.75% APY*

Certificate Rates

Terms Minimum Deposit Dividend Rate APY
6 Month1,2 $250 1.98% 2.00% APY*
12 Month1,2 $250 2.23% 2.25% APY*
24 Month1,2 $250 2.47% 2.50% APY*
36 Month1,2 $250 2.76% 2.80% APY*
48 Month1,2 $250 2.86% 2.90% APY*
60 Month1,2 $250 2.96% 3.00% APY*

Investor Choice Certificate Rates

Terms Minimum Deposit Dividend Rate APY
24 Month 1,2,3 $10,000 1.24% 1.25%
36 Month 1,2,3 $10,000 0.80% 0.80%
48 Month 1,2,3 $10,000 1.04% 1.05%
Financial Education Center
Financial Education Center
Control your finances with a wealth of knowledge.

Having this account allowed me to save for college and now I have the opportunity to pay for my education without having to worry about interest.
Claudia M.

*APY = Annual Percentage Yield

1Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more. 

2Early withdrawals from certificate accounts are subject to Credit Union penalty. All Savings and Certificate products are federally insured up to $250,000 by NCUA* Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. NCUA is the National Credit Union Administration, an agency of the United States government. 

3No longer offered.

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