Member Assistance Program

Offering a helping hand during tough financial times

Sometimes life puts obstacles in your path. We can help you get over them.

At Coastal Credit Union, we understand that even the most conscientious, hard-working members can encounter financial difficulties not due to any fault of their own. We also understand that during those tough times it may become impossible for you to pay all your bills – Including making your payments with Coastal.

When that happens, our first reaction isn’t to repossess your car or foreclose on your home. It’s to connect you with the Member Assistance Program (MAP) team.  The team will take a close look at your financial situation and often offer a solution. That’s because at Coastal, our goal is to ease your burden, not add to it. As a not-for-profit financial cooperative, we focus on working with our member-owners in every way.

Here’s how Coastal’s Member Assistance Program works:

  • The program is designed to help you stay on track making your loan payments during periods of qualified financial hardships…
    • Unemployment
    • Business Failure  
    • Disaster (natural or man-made)
    • Death of borrower or co-borrower
    • Increase in housing expenses
    • Long-term or permanent disability
    • Distant employment relocation 
    • Divorce or legal separation
    • Reduction in income
  • There is an application process and members are expected to maintain loan payments until the application has been approved.
  • This is not a skip a payment program.

Instructions to apply for member assistance during a qualified financial hardship:

Step 1: Complete our Member Assistance Request Packet via DocuSign or send all required documents by email, fax or U.S. Mail.

Step 2: Provide the required documentation below:

  • Proof of Income (Most recent paystub, Social Security Benefits Letter, Unemployment, etc.), and
  • A copy of valid US government ID (Driver’s License, State ID, Passport, etc.)
    The above documents can be sent by:
    • Email to MAP@COASTAL24.COM
    • Fax to 866-570-1718
    • U.S. Mail to Coastal Credit Union, Attn: Member Assistance Program, P.O. BOX 58429, Raleigh, NC 27658.
    • Drop off at your nearest Coastal Branch

Step 3: Once you have submitted a completed application please allow 3 business days for a loan officer to contact you to discuss your application.



Additional financial coaching is offered by Coastal Credit Union through its partner Green Path Financial Wellness.  For information visit or contact them at 877-337-3399.

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Frequently Asked Questions

Annually, you are able to receive a copy of your credit report. You can visit to request the report.

Trans Union- 800-680-7289,
Experian- 888-397-3742,
​Equifax- 800-525-6285,


The most effective way to dispute an item on your Credit Report is to work directly with the Credit Reporting Agencies:

Trans Union- 800-680-7289,
Experian- 888-397-3742,
​Equifax- 800-525-6285,

A FICO score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers' FICO scores along with other details on a borrowers' credit report to assess credit risk and determine whether to extend credit. Your score can impact your loan, interest rates terms, approvals and more.

Coastal has teamed up with Accel, a financial management program. Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 40 years.

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