Certificates

Grow your savings with confidence in North Carolina

Certificates are a smart investment that always keeps growing.

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Start saving with a certificate.

Certificate Rates

Choose from a range of terms to fit your saving strategy. Minimum deposits start at just $250. 

Terms Minimum Deposit Dividend Rate APY Effective Date
6 Month 19 $250 3.59%

3.65%

 05/22/2026
12 Month 19 $250 3.83% 3.90% 01/09/2026
15 Month Jumbo 19 $100,000 4.03% 4.10% 06/22/2026
18 Month 19 $250 4.03% 4.10% 06/22/2026
24 Month 19 $250 3.83% 3.90% 01/09/2026
27 Month Jumbo 19 $100,000 3.93% 4.00% 01/09/2026
36 Month 19 $250 3.74% 3.80% 05/22/2026
48 Month 19 $250 3.83% 3.90% 05/22/2026
60 Month 19 $250 4.07% 4.15% 05/22/2026

 

Our Certificates are the secure and smart path to more savings.

  • Low Entry, High Rewards

    Start with as little as $250 and watch your savings grow.

  • Guaranteed Returns

    Enjoy peace of mind with fixed rates. Your returns are locked in, regardless of market fluctuations.

  • Daily Compounding Dividends

    Your money works harder with dividends that compound daily, not monthly or yearly.

  • Hassle-Free Renewal

    Post-maturity, your certificate automatically renews (unless you tell us otherwise), ensuring continuous growth. We also give you a 7-day grace period to make changes if needed.19

  • Zero Maintenance Fees

    We keep it simple – no hidden costs, just pure savings.

Our IRA Certificates let you enjoy all the great features of our Certificates with added retirement benefits, including:

  • Tax-Advantaged Savings

    Enhance your retirement plan with IRA Certificates, offering tax benefits and stable growth.16

  • Future-Proof Your Retirement

    Choose IRA Certificates as a prudent addition to diversify your retirement portfolio.

  • Flexible Terms

    Align your retirement goals with our range of terms, maximizing your potential earnings.

Get personalized planning for a more secure future. Featuring:

  • Holistic Retirement Strategies

    Let our CFS advisors craft a customized plan that aligns with your retirement aspirations.

  • Adaptive Planning

    Life changes, and so should your retirement plan. We'll help you stay on track, adjusting as needed.

  • Complimentary Sessions

    Benefit from a no-cost retirement planning session with a financial advisor, to help ensure your retirement goals are within reach.21

Explore More Savings Options

Want to learn more about Coastal Credit Union’s savings account options? Give us a call or visit us in person at one of our North Carolina branches.

Frequently asked questions about our Certificates.

The minimum deposit is $250.
Yes, you may visit our local branch or call us at 800-868-4262.
No. Once the Certificate is opened, funds cannot be added until the maturity date.
The dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The dividend period begins on the first day of the term and ends on the maturity date.
A maturity notice is mailed or available within your docs 30 days prior to the maturity date.
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. The penalty will be waived in the event the primary member is deceased or by a court of law.