Earn 1 point per $1 on your everyday purchases.
Money when you need it, for home improvements debt consolidation, college expenses, and more!
Bank better with extremely competitive rates and longer repayment terms!
Maximize Your Savings:
12 Months: 4.00% APY
24 Months: 4.25% APY
APY = Annual Percentage Yield.
Federally Insured by NCUA
You've got goals. We've got ways to make them happen.
Not a Member Yet? Get the process started here.
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No down payments with up to 105% Loan to Value (LTV)1 on home purchases with our 7/1 ARM, and 30 Year Fixed mortgages
No Private Mortgage Insurance (PMI) requirement for certain loan programs. Saving you hundreds of dollars per year!
Unlike other lenders, we don’t sell your mortgage servicing. So you’ll always know where to make your payments
Underwriting fee of just $950 and no charges for document prep or credit reports mean substantial savings
Loan amounts up to $726,200
See what documents you’ll need with our Mortgage Application Checklist.
Helps low- and moderate-income families get mortgages from the government-backed Federal National Mortgage Association (Fannie Mae)
Requires a minimum down payment of 3% from borrower
(Mortgage Insurance may be required)
Roommates’ or extended family’s income can help you qualify
Friends and relatives who don’t live with you can serve as non-occupying coborrowers to help you qualify
Gifts and grants are permitted as a source of funds for a down payment and closing costs
More than 70% of Americans consider homeownership to be an important part of the American Dream but buying a home can be one of the most expensive, albeit rewarding, decisions you’ll ever make.
For a majority of people in the U.S., buying a home is a big part of the American Dream. But how many years would it take to save up the lump sum you’d need to pay for a house in full?
1. Up to 105% loan to value (LTV) financing on home purchases. Up to home’s purchase price or appraised value, whichever is less. For loans with an LTV exceeding 100%, borrower must establish direct deposit and have a qualifying Coastal deposit account in addition to the Primary Share account
For a $400,000 loan for a term of 30 years with a 6.0% APR, the monthly payment is $2,398.00. Taxes and insurance are not included in this payment example, the actual payment obligation will be greater.
For a $400,000 loan and a term of 7/1 ARM with a 6.125% interest rate, the APR for this loan type is 6.0% , subject to increase. Based on current market conditions, the monthly payment schedule would be 84 payments of $2,430.44. Taxes and insurance are not included in this payment example, the actual payment obligation will be greater
2. All loans are subject to approval. Additional product restrictions, terms, and conditions may apply. Membership eligibility required.
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