Certificates

A no-risk strategy to pump up your personal savings

A smart investment that always keeps growing

Invest for
to earn

6 Month Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.
  • Once your certificate matures, it automatically renews at the current rate offered

12 Month Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.
  • Once your certificate matures, it automatically renews at the current rate offered

18 Month Special Promotional Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.

24 Month Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.
  • Once your certificate matures, it automatically renews at the current rate offered

36 Month Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.
  • Once your certificate matures, it automatically renews at the current rate offered

48 Month Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.
  • Once your certificate matures, it automatically renews at the current rate offered

60 Month Certificate Features

  • Invest less, save more.  Open a certificate with as little as  $250
  • No maintenance fees
  • Once your certificate matures, you have a 7 day grace period.
  • Once your certificate matures, it automatically renews at the current rate offered
Guaranteed Returns

Guaranteed Returns

  • Your Certificate is guaranteed by the federal government up to $250,000
  • Dividends can be reinvested or transferred to another account
  • Grow your money faster with dividends that compound daily. Many other banks only compound monthly, quarterly, or annually
Better Living

Better Certificates for Better Living

  • Plan and save for retirement easily
  • Place money aside for your future home or home renovation
  • Schedule your Certificate to pay out when you’re ready for that dream vacation
Piggy Bank

Want to learn more about additional investment options?

  • Analyze all aspects of your current financial plan to see if you are on track to achieve your financial goals
  • Includes a personalized strategy to achieve your financial goals if you are not on track 
  • Create a retirement review schedule and address any life-changing events
  • Schedule a complimentary retirement planning session with a CFS financial advisor2

Frequently Asked Questions

Available terms are 6, 12, 24, 36, 48, and 60 months. Occasionally, other terms are available on a promotional basis.
Yes.  There is a 7-day grace period at maturity. During this time you can do the following:

Withdraw funds, including dividends without penalty Add funds to the certificate Take no action and the certificate will automatically renew after grace period ends Contact us to change the term of the certificate Notifications will be sent about maturing certificate at approximately 20 days before renewal.
A penalty may be imposed if you withdraw any of the principal before the maturity date.  The penalty depends on your certificate term. Terms less than 12 months, $25 or 90 days of dividends, whichever is greater.  Terms of 12 months, $25 or 180 days of dividends, whichever is greater. Terms greater than 12 months $25 or 365 days of dividends, whichever is greater. In certain circumstances, the penalty may reduce the principal balance if accrued dividends are insufficient to cover the early withdrawal penalty. Penalty will be waived in the event the primary member is deceased or by court of law.
No. Coastal does not charge ANY maintenance fees for having your IRA established with us.
A certificate is going to earn a fixed rate for the entire term, as opposed to a savings account having a fluctuating rate. No matter what happens to certificate rates, you are guaranteed the rate that you lock in at for the entire term.

Federally Insured by the NCUA.
 
1. APY – Annual Percentage Yield. Certificate requires $250 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. APY is accurate as of the last dividend declaration date. 

2. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Coastal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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