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)*
(30 or more Debit Card Transactions Posted Per Month)

1.00% 0.10%

Go Green (Standard Tier)*
(12-29 Debit Card Transactions Posted Per Month)

0.60% 0.10%
Go Green (Base Tier)*
(0-11 Debit Card Transactions Posted Per Month)
0.10%

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)*
(30 or more Debit Card Transactions Posted Per Month)

1.00% 0.10%

Student Checking (Standard Tier)*
(12-29 Debit Card Transactions Posted Per Month)

0.60% 0.10%
Student Checking (Base Tier)*
(0-11 Debit Card Transactions Posted Per Month)
0.10%

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

*Checking 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. 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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