How to Make a Payment

How to Make Payments Online

To make an online payment, register and log into Coastal’s Digital Banking. You can also schedule recurring payments within Digital Banking. You can manage your payments from your Coastal account or from another financial institution.

How to Set Up Automatic Transfers inside Digital Banking:

  1. Log into Digital Banking.
  2. Choose your loan and select "Make a Payment."
  3. Set up recurring transfers from your Coastal Checking/Savings or an external bank account (via ACH).

For added convenience, you can use Speedpay to pay your loan with a debit card or a Discover® or MasterCard® credit card. Please note, a $5 service fee applies for payments made through Speedpay.

How to Make Payments in Person

Our branches feature teller hours from 7 a.m. to 7 p.m., seven days a week, offering you flexibility and convenience to make a loan payment.

Send Your Payments in the Mail

You can also mail your loan payments to us. To ensure prompt processing and avoid any delays, use the following addresses:

For Loan Payments:
Coastal Credit Union
Attn: Payments
PO Box 986533
Boston, MA 02298-6533

For Credit Card Payments:
Coastal Credit Union
P.O. Box 37035
Boone, IA 50037-0035

Ensure your payments are accurate and timely by including your Member Number and Loan Number with your mailed payment.

Frequently asked questions about making a payment.

Register and log into Coastal's Digital Banking to schedule automatic payments from your account at Coastal or another institution. You can also make payments through our mobile app* or Speedpay. This service is available for debit cards, automatic drafts from your checking account or ACH payments, Discover®, and MasterCard® credit cards only.

*Data and other wireless carrier charges may apply.
Yes. Register and log into Coastal's Digital Banking to schedule automatic payments from your account at Coastal or another institution.
Yes. Register and log into Coastal's Digital Banking to schedule automatic payments from your account at Coastal or another institution.
For any issues with making your payment, please call 800-868-4262 and choose option 0 (zero). Note that any payments processed over the phone will incur a $5 service fee.
You can log in to Coastal's Digital Banking to see your loan payment transaction history to confirm that your payment has been received.
You can log in to Coastal's Digital Banking to view your loan due date and amount due.
To change the due date for a Coastal Auto Loan, or Personal Loan, please send us a secure message inside Digital Banking to request a Due Date Change Form.

At this time, Coastal does not allow members to modify the due date of credit cards, mortgages, or home equities.
We do not recommend using Coastal Bill Pay to pay your Coastal loan; instead, you can schedule automatic payments from your account at Coastal by logging in to Coastal's Digital Banking.
You can find a coupon inside your monthly statement.
You have several options to make principal-only payments. These options exclude VISA® Credit Cards. In order to process any of the principal-only payment options, your regularly scheduled payment must be made first.

You can pay an extra amount at the same time you make your regularly scheduled payment. The extra amount paid will be applied to the principal. The regular payment and the extra amount must be applied on the same date with this option.

If you have already made your regular payment and want to make a principal payment, you can:
  • Send a secure message through our online banking system requesting a principal-only payment be made.
  • Visit a branch and make a principal-only payment at the personal teller machine (PTM).
  • Mail in a check to:
    Coastal Credit Union, Attn: Payments,
    P.O. Box 58429, Raleigh, NC 27658-8429.

    When mailing a check for principal payments, clearly indicate in the memo section of the check, "PRINCIPAL ONLY" and the account number. Any payment applied as principal and interest, that is not notated "PRINCIPAL ONLY", cannot be reversed and reapplied later.
Please email [email protected] with any questions. "