Coastal Credit Union
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253175494

If you have forgotten your PIN, please contact our Contact Center at 919-420-8000 that is available 24 hours a day for assistance. Representatives are available 7 days a week, 24 hours a day. Or you may send an email to cardservices@coastalfcu.org. Once we receive your request we will send the PIN to you in the mail.

Reordering checks couldn't be easier! You have a few ways to reorder your personal checks if you do not plan to make any additional changes with your name, address, or phone numbers.

You may reorder checks directly within Digital Banking, simply choose ""Order Checks"" from the Accounts Summary. You may also visit https://orderpoint.deluxe.com/personal-checks/home.htm. You may also call 877-838-5287 or stop by a branch location and speak to a representative.

If you would like to make changes to your checks (address, phone, etc.), please log in to Digital Banking to update your contact information by clicking the Account Services icon. Once the changes have been made, simply choose "Order Checks" from the Accounts Summary.

You may choose your PIN on both your debit and/or credit card. To change the PIN on your debit card, visit any Coastal ATM and choose the PIN change menu option.  To change the PIN number on your credit card, simply call (888) 891 -2435.  You cannot choose or change the PIN on your ATM card.

There is no charge to order a new card. However if you would like the card expedited, additional charges may apply.  If a card is lost or stolen, a replacement charge may apply in some instances.

Coastal Credit Union
Main Site Search
What is Coastal's ABA Routing Number?

253175494

What do I do if I have forgotten my Personal Identification Number (PIN) for my debit card?

If you have forgotten your PIN, please contact our Contact Center at 919-420-8000 that is available 24 hours a day for assistance. Representatives are available 7 days a week, 24 hours a day. Or you may send an email to cardservices@coastalfcu.org. Once we receive your request we will send the PIN to you in the mail.

How do I reorder personal checks?

Reordering checks couldn't be easier! You have a few ways to reorder your personal checks if you do not plan to make any additional changes with your name, address, or phone numbers.

You may reorder checks directly within Digital Banking, simply choose ""Order Checks"" from the Accounts Summary. You may also visit https://orderpoint.deluxe.com/personal-checks/home.htm. You may also call 877-838-5287 or stop by a branch location and speak to a representative.

If you would like to make changes to your checks (address, phone, etc.), please log in to Digital Banking to update your contact information by clicking the Account Services icon. Once the changes have been made, simply choose "Order Checks" from the Accounts Summary.

Can I choose a new Personal Identification Number (PIN) on my ATM, debit or credit card?

You may choose your PIN on both your debit and/or credit card. To change the PIN on your debit card, visit any Coastal ATM and choose the PIN change menu option.  To change the PIN number on your credit card, simply call (888) 891 -2435.  You cannot choose or change the PIN on your ATM card.

Is there a charge for ordering an ATM card, a debit card, or a credit card?

There is no charge to order a new card. However if you would like the card expedited, additional charges may apply.  If a card is lost or stolen, a replacement charge may apply in some instances.

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Fixed Rate

An affordable way to unlock the door to your dream home

Lower fees make for easy, low-stress closings

Here’s how a Fixed-Rate Mortgage could help you bank better:

  • Choose from 10-, 15-, 20- and 30-year mortgages with competitive interest rates
  • A fixed rate means your rate will never increase
  • Underwriting fee of just $600 and no charges for document prep or credit reports mean substantial savings
  • You'll always deal with your neighbors at Coastal because we will never sell your mortgage to a far-off megabank
  • This mortgage is eligible for an annual Loyalty Bonus payout 

Coastal Credit Union is your home base.

We’re committed to helping North Carolina residents achieve their dream of owning a home. Want proof? Coastal is the official mortgage partner for the Wake County chapter of Habitat for Humanity, providing millions of dollars in loans for families who move into homes built by the nonprofit group.

We can provide the same great services for you: low interest home loan rates, modest fees and several fixed-rate mortgage options. Choose a longer term if you want lower monthly payments and a shorter one if you want to become debt-free more quickly. Either way, the interest rate will never increase over the course of the loan. And that will help you sleep easier in your new home.

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Frequently Asked Questions

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change.

If everything seems to be in good standing on your application, you will be able to obtain a pre-qualification letter. Although it is not necessary to be pre-qualified, it is highly recommended before making an offer. It demonstrates to both you and to sellers how much house you can afford. It can be frustrating for both buyers and sellers to agree upon an offer, only to find out the buyer is unable to qualify for it.

Pre-qualification is based solely on the data you give in your loan application. From this information, your lender can provide a ballpark estimate of how much you can borrow, but your pre-qualified amount isn’t yet a definite thing. Pre-approval is a commitment in writing for an exact loan amount, after your lender has taken a closer look at, and verified, your financial situation and history.

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on several factors, including your current financial picture and how long you intend to keep your house. Coastal Credit Union can help you evaluate your choices and help you make the most appropriate decision.

As a first-time buyer, the first step in purchasing a home is to determine what exactly you can afford. By using one of the several calculators on our website, you will be able to figure out affordability in relation to finances, credit score and other information.

All FAQs

For a $250,000 loan for a term of 30 years with a 4.50% APR, the monthly payment is $1,267.00.  Taxes and insurance are not included in this payment example and that the actual payment obligation could be greater.  All loans are subject to approval.

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