Find your perfect home with our flexible mortgage options and competitive rates.
The first step of membership. Grow your savings and build financial security.
Coastal Credit Union Rates
Our Rates work in your best interest.
As a not-for-profit cooperative, Coastal is committed to putting our members first. Unlike traditional banks, our primary goal is not to generate profits for shareholders but to provide you, our members, with the most competitive rates and financial solutions.
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Take our Deposit Product rates with you
Deposit Products
High Yield Savings Rates
Maximize your savings potential with rates designed for those looking to earn more on larger balances.
Go Green Money Market Rates
Bundle Go Green Money Market with Go Green Checking and benefit from higher dividends.
Basic Money Market Rates
Another simple way to grow your savings with competitive rates. Enjoy flexibility and easy access to your funds while earning more.
| Product | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Basic Money Market15 | $25 | 1.98% | 2.00% |
Go Green Checking Account Rates
Make everyday banking more rewarding.
Student Checking Rates
Designed for students to help manage finances while pursuing education.
Basic Checking Rates
Keep it simple with our straightforward, easy-to-understand Basic Checking account
| Product | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Basic Checking | $25 | N/A | N/A |
Certificate Rates
Invest in your future with fixed-rate certificates that offer security and higher earning potential.
| Terms | Minimum Opening Deposit | Dividend Rate | APY | Effective Date |
|---|---|---|---|---|
| 6 Month 19 | $250 | 3.59% | 3.65% | 05/22/2026 |
| 12 Month 19 | $250 | 3.83% | 3.90% | 01/09/2026 |
| 15 Month Jumbo 19 | $100,000 | 3.93% | 4.00% | 01/09/2026 |
| 18 Month 19 | $250 | 3.83% | 3.90% | 01/09/2026 |
| 24 Month 19 | $250 | 3.83% | 3.90% | 01/09/2026 |
| 27 Month Jumbo 19 | $100,000 | 3.93% | 4.00% | 01/09/2026 |
| 36 Month 19 | $250 | 3.74% | 3.80% | 05/22/2026 |
| 48 Month 19 | $250 | 3.83% | 3.90% | 05/22/2026 |
| 60 Month 19 | $250 | 4.07% | 4.15% | 05/22/2026 |
High Yield IRA Savings Rates
Elevate your retirement planning with high yield rates on IRA savings accounts.
| Product | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| High Yield IRA Savings Account 18 | N/A | 2.96% | 3.00% |
IRA Certificate Rates
Boost your retirement savings with our specialized IRA certificates featuring guaranteed returns.
| IRA Certificate Term | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 6 Month19 | $250 | 3.59% | 3.65% |
| 12 Month 19 | $250 | 3.83% | 3.90% |
| 15 Month Jumbo 19 | $100,000 | 3.93% | 4.00% |
| 18 Month 19 | $250 | 3.83% | 3.90% |
| 24 Month 19 | $250 | 3.83% | 3.90% |
| 27 Month Jumbo 19 | $100,000 | 3.93% | 4.00% |
| 36 Month 19 | $250 | 3.74% | 3.80% |
| 48 Month 19 | $250 | 3.83% | 3.90% |
| 60 Month 19 | $250 | 4.07% | 4.15% |
Loan Products
Home Equity Line of Credit (HELOC) Rates
Leverage your home's equity with our flexible HELOC options at favorable rates. Finance larger expenses or consolidate debt.
| Product | Annual Percentage Rate Variable as low as (Primary Residence) |
|---|---|
| Up to 70% of your home's combined loan-to-value 76 | 6.60% APR |
| Up to 80% of your home's combined loan-to-value 76 | 6.65% APR |
| Up to 90% of your home's combined loan-to-value 76 | 6.74% APR |
| Up to 100% of your home's combined loan-to-value 76 | 9.55% APR |
Auto Loan Rates
Drive off in your dream car with flexible terms and competitive auto loan rates.
| Model Year |
PAY OFF SOONER |
MOST POPULAR |
LOWER PAYMENT |
|---|---|---|---|
| 2027-2025 | 4.24%-5.74% | 4.74%-5.99% | 5.09%-7.04% |
| 2024-2022 | 4.89%-6.34% | 5.39%-6.59% | 5.74%-7.64% |
| 2021-2019 | 5.59%-6.89% | 5.89%-7.14% | 6.29%-8.19% |
|
2018-2015 (max term 72 months) |
7.89%-9.19% | 8.14%-9.44% | 8.54%-9.84% |
|
2014-2011 (max term 66 months) |
9.04%-10.34% | 9.34%-10.59% | Not Available |
Visa Credit Card Rates
From low rates to premium rewards, we have the right credit card for you.
| Product | After Intro APR79 |
|---|---|
| Signature Premier Rewards | 14.75% to 18.00% |
| Rate Advantage | 10.75% to 18.00% |
| Rate Advantage Secured | 18.00% |
Business Products
Business Savings Rates
Save smarter with a hassle-free savings account that helps your business grow.
| Product | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Business Primary Savings 74 | $25 | 0.10% | 0.10% |
Business Checking Rates
Unlock a world of possibilities to help your business reach its full potential.
| Product | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Business Checking 74 | $25 | N/A | N/A |
Business High Yield Savings Account
Earn more on your savings while keeping your funds flexible and accessible.
Business Money Market Account
Earn more with tiered rates that increase as your balance grows. Enjoy compounding earnings and easy access to your funds.
| Product | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Business Money Market74 | $25 | 0.25% | 0.25% |
Business Credit Card Rates
Empower your business spending with flexible credit solutions and a competitive rate
| Product | Standard APR |
|---|---|
| Business Credit Card 109 | 14.75% |