Checking Rates

Earn more on your checking account.

Choose a checking account that delivers more

Our checking options rate higher.

You use your checking account in some way, every day, wherever life takes you throughout North Carolina and beyond. Why not get one that lets you earn a higher dividend on your balance? Coastal helps you get ahead with checking account rates that deliver steady growth.

Checking Account Rates

Go Green Checking Tiers APY on average daily balances
$10,000 or less
APY on average daily balances
above $10,000

Go Green (Premium Tier)*
(15 or more Debit Card Transactions Posted Per Month)

5.00% 0.05%
Go Green (Base Tier)*
(0-14 Debit Card Transactions Posted Per Month)
0.05%

Learn More about Go Green Checking

Health Savings Account (HSA) Checking

Product Minimum Deposit Dividend Rate APY
Health Savings Account (HSA) $1.00 0.60% 0.60%

Learn More about HSA Accounts

Student Checking

Go Green Checking Tiers APY on average daily balances
$10,000 or less
APY on average daily balances
above $10,000

Student Checking (Premium Tier)*
(15 or more Debit Card Transactions Posted Per Month)

5.00% 0.05%
Student Checking (Base Tier)*
(0-14 Debit Card Transactions Posted Per Month)
0.05%

Learn More about Student Checking

Basic Checking

Product Minimum Deposit Dividend Rate APY
Basic Checking No minimum balance required N/A N/A

Learn More about Basic Checking

Frequently Asked Questions

Frequently, we see that direct deposits may not credit your account due to an invalid account number. Be sure to verify with the issuer of the deposit that they are sending funds with your full 14 digit account number. You may also provide the issuer of the deposit a voided check.

You may also want to validate the ABA Routing Number, 253175494.
Transferring funds is easy and free! Simply log into Digital Banking and select Transfer Funds. Follow the displayed prompts. Transfers may take up to 3-5 business days to credit.

You may also transfer funds from your Coastal account to another financial institution via a wire transfer. To initiate a wire transfer, please contact our Call Center at (800)868-4262, ext 6784 or 919-420-8000, ext 6784 or visit the nearest branch location.
The easiest way to start or change your direct deposit is to contact your employer's HR or Payroll Department or log into your Employer's Payroll Site. They will have you fill out a direct deposit authorization form. To complete this form, you will need to know Coastal's Routing Number, your full 14 digit Account Number, and the account type, such as Go Green Checking.
If wiring U.S. Dollars, please provide the issuing institution the following instructions:

Bank Name: Coastal Credit Union ABA/Routing Number: 253175494 Credit Name: (Your name and address) Account Number: (Your 14-digit Coastal account number)
Eligible members can deposit funds by using Digital Banking through Coastal's Mobile App. You may also visit any Coastal branch location or Shared Branch/Service Center location (our locations page). Deposits are not accepted at non-Coastal ATMs on the Co-op ATM Network.

*Checking rates are subject to change daily and after account is opened. $25 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. Fees may reduce earnings on account. Note: APY means Annual Percentage Yield.  Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.  APY is accurate as of the last dividend date. For more details, see the Truth-In-Savings Disclosure

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