Member Giveback

Coastal returns millions to our members

Dividends and donations benefit individuals and organizations


For the past nine years, Coastal has returned more than $21.2 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 memberships 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 $35.1 million* annually. That’s an average of nearly $130 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 2019, we continued to provide 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-champions NC Courage, as well as discounts on concessions as the Coastal Credit Union Music Park, and on merchandise at the Durham Bulls.

One of the highlights of 2019 was our third 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 Courage soccer game.


Ways we save members money How much* we saved members in 2019
Loan Rates
Refinancing Mortgages $ 883,430
Auto Refinance Savings Guarantee $ 123,330
Refinancing Auto Loans $ 742,430
Auto Loans $ 6,534,770
Home Equity Lines of Credit   $ 872,770
Credit Card Hurricane Relief Campaign $ 106,000
Deposit Dividends
Go Green Checking Dividends $ 2,313,260
Money Market Dividends $ 4,506,900
Certificates Dividends $ 3,651,630
IRA High Yield Savings Dividends $ 506,720
Health Savings Accounts Dividends $ 181,580
First Time Homebuyer Origination Fee $ 194,010
Mortgage Underwriting Fee $ 734,400
Bounce Guard / NSF Fee $ 843,830
Overdraft Forgiveness Program $ 3,618,850
Overdraft Transfer Fee (eliminated 2017) $ 1,285,940
Non-Coastal ATM fee (eliminated 2019) $ 175,000
Other eliminated fees $ 293,960
Incentives & Discounts
Loyalty Bonus Dividends $ 3,720,230
Daymark Realty Member Savings $ 664,730
Join Days $ 215,680
Credit & debit card bonus incentives $ 27,570
Youth Certificate Incentive $ 4,880
Fast Lane at Coastal Credit Union Music Park $ 41,710
Coastal Music Park Concessions Discount $ 10,430
id AllySM Identity Theft Recovery Services $ 2,430,690
Carolina Hurricanes discounts $ 6,370
NCFC / NC Courage Discounts $ 26,190
Coastal Family Day $ 375,290
Coastal Midtown Park Food Truck Events $ 21,500
Durham Bulls Sweepstakes $ 1,600
Total Member Giveback $ 35,115,600


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 and discounts that Coastal offers to members.

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