Compare All High Yield IRAs

Start saving now so you can live the good life later.

Tailor an IRA to fit your savings strategy and risk-comfort level


Earn up to 4.00% APY2 with direct deposit

Choose to invest in either our High Yield IRA Savings account or one of our fixed rate bank better certificates.

Earn up to 2.25% with our high yield IRA

High Yield IRA Savings

  • Useful if you don’t like being locked into a term deposit
  • Earn an impressive 3.75% APY1 on your Retirement savings and enjoy an extra .25% if you have a direct deposit of $500 or more into a Coastal Checking account
  • Compare plans in the table below to find the best plan for your retirement
  • To open your High Yield IRA Savings account, fill and print out our forms and bring them in to a branch
Certificates Up To 2.15% APY

IRA Certificates

  • If you want a great return and don’t mind a little commitment, get Certificates up to 4.75% APY3
  • Choose one or more of our high rate certificates with terms ranging from 7 days to 5 years
  • To open your IRA Certificate account, fill and print out our forms and bring them in to a branch
Image of our retirement module

Want to learn more about additional investment options?


Plan Best For How it Works

Traditional IRA

Learn More
View Rates

Those who expect to be in a lower tax bracket when they retire The contributions you make now are potentially tax-deferred meaning they can lower your taxable income and tax bill

Roth IRA

Learn More
View Rates

Those who expect to be in a higher tax bracket when they retire The Contributions you make now are after-taxes but qualified distributions are tax-free

Rollover IRA

Learn More
View Rates

Those who have a 401(k), Roth 401(k), or 403 (b), from a previous employer Keep the tax-advantaged status of your nest egg, while you enjoy the freedom of controlling your own account


Learn More
View Rates

Business owner that wants to reduce taxable income

Contribute at a higher rate than Traditional or Roth IRA’s while your money grows tax-deferred

Retirement and Financial Planning

Learn More

Those who want a personalized advisor and comprehensive financial planning Whether you are just getting started, considering your last day on the job, or currently retired, we are here to partner with you to make smart decisions with your money. Investments offered through CUSO Financial Services, LP (CFS)3.

Want to learn more?

Schedule a Branch Appointment to Discuss Your Options!

We'd be happy to sit down with you and discuss your IRA options. Log in to Coastal's digital banking and select the "Branch Appointment" option. Check out the video to get full instructions on how to do it!


Please consult your tax advisor for additional tax information

1. APY - Annual Percentage Yield. High Yield IRA Savings requires $1 minimum to open. For more details, see the Truth-In-Savings Disclosure  and Rate Table. Fees may reduce earnings on account. Rates subject to change without notice after account opening. Penalty for early withdrawal. APY is accurate as of the last dividend declaration date.

2. The certificate requires a minimum balance of $250 to earn APY. The certificate will automatically renew at the end of the term. 4.75% APY is based off of an 18 month certificate. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. APY is accurate as of 03/01/2023.

3. 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.

4. The module is provided for illustrative purpose only, and the information obtained by using the module is not, and should not be taken as, legal or financial advice to any person. Results may vary depending on the accuracy and comprehensiveness of the information you provide while using the module. The module is not a substitute for consulting a qualified professional.

Need help?

Or Call Us