Roth IRA

A smart option for an uncertain future.

Roth IRAs at Coastal offer variable or fixed rate investment options and future tax benefits

Earn up to 4.00% APY2 with direct deposit


Here’s how a Roth IRA could help you bank better:

  • You can start with a small sum and build up your balance with regular deposits
  • Contributions are after-tax, meaning the contribution is included in your taxable income for the year
  • Most members can Contribute up to $6,500. If you are at least age 50, you are allowed an additional $1,000 as a catch up contribution to accelerate your savings
    just in time for retirement1
  • Your money grows tax-free, and when you withdraw at retirement, you pay no taxes
  • There is no requirement to take distributions at any age
  • When you reach age 59½ withdrawals from the account are not taxed as long as the contributed amount has been in the account for at least 5 years

COMPARE OUR IRA PRODUCTS

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% APY2 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?


1. Please consult a tax advisor for contribution eligibility

2. APY - Annual Percentage Yield. 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.

3. Certificate requires $250 minimum to open and 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.

4. 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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