Business Account Rates

Your business profits from a relationship with Coastal.

Designed to help your business thrive

Coastal supports North Carolina's small businesses.

Business owners who are Coastal members enjoy business account rates that help them maximize their savings and get the convenience they need in their busy workdays.

Business Account Rates

Terms Minimum Deposit Dividend Rate APY
Business Savings $25 .10% .10% APY1
Small Business Checking $0 - -
Business Basic Checking $0 - -
Business Dividend Checking $0 .05% .05% APY1
Business Money Market $0 .15% .15% APY1
Business Money Market $5,000.01 .20% .20% APY1
Business Money Market $25,000.01 .25% .25% APY1

Frequently Asked Questions

To sign up for Digital Banking, you must accept the terms of the Digital Banking Services Agreement and Disclosure. Click on the link to Register a Business or Trust Account. Fill in the blanks for Account Number, Business or Trust Name, SSN/TIN, and Zip Code exactly the way the business or Trust is named. Press submit when complete. You will then be prompted to create a User ID and Password. Then, follow the steps when prompted.
As long as you have an established business account, you can apply for a loan in your business name.
You can open a small business account at any branch location. Depending on the type of business, a few additional documents will be needed to open the account which can be found at

1. 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. APY is accurate as of the last dividend declaration date.  Fees may reduce earnings on account. Note: APY means Annual Percentage Yield. 

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