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Checking Rates

Earn more on your checking account.

Choose a checking account that delivers more

Our checking options rate higher.

You use your checking account in some way, every day, wherever life takes you throughout North Carolina and beyond. Why not get one that lets you earn a higher dividend on your balance? Coastal helps you get ahead with checking account rates that deliver steady growth.

Checking Account Rates

Product Balance Dividend Rate APY
Go Green (Premium Tier)* $.01 up to $10,000 2.23% 2.25%
(30 or more Debit Card Transactions Posted Per Month) Balances above $10,000 .10% .10%
Go Green (Standard Tier)* $.01 up to $10,000 .51% .51%
(12-29 Debit Card Transactions Posted Per Month) Balances above $10,000 .10% .10%
Go Green (Base Tier)* $.01 up to $10,000 .10% .10%
(0-11 Debit Card Transactions Posted Per Month) Balances above $10,000 .10% .10%
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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.

Frequently Asked Questions

Frequently, we see that direct deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds with your full 14 digit account number. You may also provide the issuer of the deposit a voided check.

You may also want to validate the ABA Routing Number, 253175494.

Transferring funds is easy and free! Simply log into Digital Banking and select Transfer Funds. Follow the displayed prompts. Transfers may take up to 3-5 business days to credit.

You may also transfer funds from your Coastal account to another financial institution via a wire transfer. To initiate a wire transfer, please contact our Call Center at (800)868-4262, ext 6784 or 919-420-8000, ext 6784 or visit the nearest branch location.

Federal Regulations require us to have limitations on the number and types of withdrawals allowed on a savings account. Your savings accounts are limited to 5 teller withdrawals (this includes cash and official checks) per month. Any transactions in excess of 5 are charged a fee for each withdrawal. As an alternative, you can avoid this fee by performing a cash withdraw from your savings account at an ATM. It's good to know that ATM withdrawals from savings accounts do not count against your 5 monthly teller withdrawals, or the 6 monthly electronic withdrawals that are allowed by Federal Regulation D. Transfers made through Telephone Banking, Digital Banking, or our Transaction Call Center count towards the 6 monthly transactions allowed by Federal Regulation D. Any ACH (electronic) debits from savings count towards the 6 as well. Also, if a savings account is used for overdraft protection, then overdraft transfers from savings will also count towards the six transactions per month. If you find yourself coming close or exceeding your limits, you may want to consider a checking account at Coastal.

To set up a direct debit or credit to your account you will want to provide the ABA/Routing Number 253175494. If you have a checking account, please use the 14 digit number on the bottom of your checks. If you want to debit or credit another account with your Coastal account, please give us a call at 800-868-4262 or 919-420-8000. For security reasons, we will mail you the account details to set up direct debit or credit to your account.

If wiring U.S. Dollars, please provide the issuing institution the following instructions:

Bank Name: Coastal Credit Union
ABA/Routing Number: 253175494
Credit Name: (Your name and address)
Account Number: (Your 14-digit Coastal account number)

*Savings rates are subject to change daily and after account is opened. $100 needed to open an account. 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. Fees may reduce earnings on account. Note: APY means Annual Percentage Yield.  Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

Need help with Checking Rates?

Call 800-868-4262 to speak with a representative