Certificate Rates

Strengthen your savings with some of our highest rates.

Coastal Certificates can help you reach your savings goal

Here's the ideal place for your excess cash.

If you have at least $250 that you can leave untouched for several months or years, our Certificate Rates will grow your money steadily over the course of various terms. As a not-for-profit North Carolina credit union, our rates are structured to maximize your savings.

Certificates are also available as an IRA Certificate with the same term/rate listed in the table below

Certificate Rates

Terms1 Minimum Deposit Dividend Rate APY Effective Date
6 Month $250 0.60% 0.60% APY2 08/01/2020
12 Month $250 0.60% 0.60% APY2 08/01/2020
24 Month $250 0.60% 0.60% APY2 08/01/2020
36 Month $250 0.70% 0.70% APY2 06/01/2021
48 Month $250 0.75% 0.75% APY2 06/01/2021
60 Month $250 1.24% 1.25% APY2 06/01/2021

Special Promotional Term Certificate Rates

Terms1 Minimum Deposit Dividend Rate APY
7-90 Day Mini Jumbo $50,000 0.35% 0.35% APY2

* This product is no longer offered

Investor Choice Certificate* Rates

Terms1,3 Minimum Deposit Dividend Rate APY
24 Month $10,000 1.24% 1.25% APY2
36 Month $10,000 0.80% 0.80% APY2
48 Month $10,000 1.04% 1.05% APY2

* This product is no longer offered

1. Savings rates are subject to change daily. 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. Early withdrawals from certificate accounts are subject to Credit Union penalty. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.  

2. APY = Annual Percentage Yield

3. No longer offered.

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