Member Giveback

Coastal returns millions to our members

Dividends and donations benefit individuals and organizations

For the past eight years, Coastal has returned more than $17.5 million to our members in the form of special dividends, which we call our Loyalty Bonus. It is paid to eligible members as a reward for keeping their loan and deposit relationships with Coastal.  Longer membership relationships earn even greater Loyalty Bonus dividends.

Combined with our Loyalty Bonus dividends, the value that Coastal provides to members in the form of better loan and deposit rates, and lower fees than our competition produces a cumulative positive impact of more than $32.4 million* annually. That’s an average of more than $125 extra in members’ wallets, simply because they chose Coastal over other options. Of course, the more you use Coastal, the more you can potentially save.

Beyond rates and fees, Coastal is also committed to providing our members with unique perks and special incentives. In 2018, we began providing every member with idAlly ID theft recovery services, at no cost.  Members also enjoyed discount tickets to the Carolina Hurricanes, North Carolina FC, and the league-champion NC Courage.

One of the highlights of 2018 was our second annual Coastal Family Day, held at the WakeMed Soccer Park. More than 3,700 members attended and enjoyed food, games, music, rides and prizes, as well as free admission into the NCFC soccer game.

Ways we save members money How much* we saved members in 2018
Loan Rates
Refinancing Mortgages $ 1,029,970
Auto Refinance Savings Guarantee $ 104,760
Refinancing Auto Loans $ 1,612,840
Auto Loans $ 5,433,670
Home Equity Lines of Credit   $ 845,620
Mortgages $ 957,820
Credit Card Balance Transfers $ 681,230
Credit Card Hurricane Relief Campaign $ 198,000
Deposit Dividends
Go Green Checking $ 2,091,730
Money Market $ 2,786,200
Certificates $ 2,248,880
Health Savings Accounts $ 170,720
Origination Fees on Mortgages $ 1,137,170
Mortgage Underwriting Fee $ 385,800
Bounce Guard / NSF Fee $ 847,070
Overdraft Forgiveness Program $ 3,401,110
Overdraft Transfer Fee $ 1,410,800
Other eliminated fees $ 279,430
Loyalty Bonus Dividends $ 3,394,860
Daymark Realty Member Savings $ 505,380
Join Days $ 107,530
Credit & Debit Card Bonus Incentives $ 81,470
Fast Lane at Coastal Credit Union Music Park $ 44,340
id AllySM Identity Theft Recovery Services $ 2,277,170
Carolina Hurricanes Discounts $ 12,240
NCFC / Courage Discounts $ 8,785
Coastal Family Day  $ 335,990
International Credit Union Day Food Truck Rodeo $ 14,050
Total Member Giveback $ 32,404,300 
50 Years
50 Years
Catch up on 50 years of success stories.

*Member Giveback is estimated by comparing the average interest and dividend rates of Coastal’s loan and deposit product portfolios versus average local bank rates for similar products from external sources like and S&P Global. We also compared Coastal’s fees to the advertised fees of Bank of America, Wells Fargo, PNC, BB&T, First Citizens and SunTrust. Additionally, we quantify the actual cash value of product incentives that Coastal offers to members

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