Savings

Your journey to financial wellness starts here.

Whether you're saving for specific goals or building an emergency fund, our accounts are designed to help you grow your money securely and efficiently.

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Savings Rates

Savings Rates

Our savings accounts offer attractive dividend rates, helping your money grow faster.

Product Minimum Deposit Dividend Rate APY
Savings $25.00 0.10%

0.10% 10
Special Savings $0 0.10%

0.10% 10
Health Savings Account (HSA) $1.00 0.60%

0.60% 10
High Yield Savings Tier 1
Average Daily Balances of $9,999.99 or less		 $0 0.10%

0.10% 11
High Yield Savings Tier 2
Average Daily Balances of $10,000 or more		 $0 2.96%

3.00% 11
High Yield IRA Savings Account10 $0 2.96% 3.00%

 

Our savings accounts feature:

  • Low Minimum Deposits

    Start with just $25 in a Primary Savings Account and $0 in a Special Savings Account.

  • Access to Full Range of Products

    Opening a Primary Savings Account makes you a member-owner, giving you access to all our services.

  • Easy Account Management

    Manage your accounts seamlessly through Digital Banking.

How to Save Money at Coastal

Primary Savings Account

The gateway to membership. This is the first step in your savings journey.10

Special Savings Account

Ideal for setting aside funds for vacations, hobbies, or holiday expenses.10

Go Green Money Market

Pairs seamlessly with your Go Green Checking to grow your savings faster.

Certificates

Start with as little as $250. Enjoy peace of mind with fixed rates.

High Yield Savings

Enjoy dividendsat competitive money market rates, calculated based on your daily balance.11

IRA High Yield Savings

We offer a range of IRA options to help you grow your savings effectively and securely.

Health Saving Account (HSA)

Designed for those with High-Deductible Health Plans (HDHP). A smart way to manage rising healthcare expenses.

Education Savings (Coverdell ESA)

Invest in your child’s future with tax advantages and flexible spending options.

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 CFS financial advisor, to help ensure your retirement goals are within reach.12

Frequently asked questions about our Savings accounts.

Both products can be used to help you reach your savings goals.
Members can open a Savings or Special Savings account online or by visiting a local branch.
There are no monthly service fees for active Coastal Savings Accounts.
Yes, we only require that $5.00 remain in the Primary Savings account to maintain your membership at Coastal.
We offer IRAs, and our Wealth Management team offers additional assistance with retirement planning.