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Rates

Rates effective as of

Loan Rates

Deposit Rates

Business Account Rates

MORTGAGES

Mortgage Rates

To learn more about our mortgages, to apply online or to connect with a Mortgage Loan Officer closest to you, please select from the options below





LOANS

Home Equity Rates

Product
APR Fixed
APR Variable as low as
Approx Term
Product
APR Fixed as low as
APR Variable

1 (Primary Residence)

Approx Term
Product
APR Fixed as low as
APR Variable

1 (Primary Residence)

Approx Term
Product
APR Fixed as low as
APR Variable

1 (Primary Residence)

Approx Term
Product
APR Fixed as low as
APR Variable

1 (Primary Residence)

Approx Term
Product
APR Fixed as low as
APR Variable
Approx Term
Product
APR Fixed as low as 2
APR Variable
Approx Term
2
Product
APR Fixed as low as 2
APR Variable
Approx Term
2
Product
APR Fixed as low as 2
APR Variable
Approx Term
2
Residential Lot Loan
Product
APR Fixed as low as
APR Variable
Approx Term
Product
APR Fixed2
APR Variable
Approx Term
Product
APR Fixed2
APR Variable
Approx Term
Product
APR Fixed2
APR Variable
Approx Term
  • Property must be located in North Carolina, South Carolina, or Virginia.
  • Loan rates are subject to change daily.
  • APR means Annual Percentage Rate.
  • There are no loan application fees.
  • Number of monthly payments is not predictable for variable rate loans.

See Truth in Lending Disclosure addendum in your loan packet for payment calculation method.

1 - APR = Annual Percentage Rate. The APR for a Coastal Federal Credit Union Home Equity Line of Credit is variable and based on Prime Rate as published in the Wall Street Journal, ten days before the end of the prior month (called the "Index"), plus a margin. The Index is current as of July 1, 2017 and is 4.25%. As of July 1, 2017 margins range from -0.01% with Relationship Pricing to +4.49 without any discounts. Your margin will be determined by a number of factors including but not limited your credit qualifications, combined loan-to-value, and loan amount. Corresponding variable APRs range from 4.24% with Relationship Pricing to 8.74% with no discounts for primary residences. The maximum APR for a home equity line of credit is 15%.

2 - APR = Annual Percentage Rate. The APR for a Coastal Federal Credit Union Home Equity Loan is fixed and is based on Coastal Federal Credit Union's Qualified Loan Program and include the Relationship Pricing discount. Rates provided are based on loan amounts of $25,000 or greater. For rates on loan amounts below $25,000, please stop by your local branch or call our 24-hour call center at 800-868-4262. Your rate may vary and is determined by your credit qualifications, amount financed, collateral, loan terms and combined loan-to-value. The minimum APR for a Home Equity loan is 4.30% with relationship pricing. The maximum APR for a Home Equity loan is 15%. A payment example of a Home Equity Loan: As of July 1, 2017, an amount financed of $50,000 at a term of 180 months at 80% combined loan-to-value with an APR of 5.30% would result in 180 equal monthly payments of $404.20.

1,2 - Rates are subject to change daily. Lending area located in North Carolina, Virginia, and South Carolina. Coastal membership must be established prior to scheduled closing. No refinances of purchase money seconds within 12 months of the closing date. Property insurance is required. Flood Insurance may be required. The minimum loan amount for a Home Equity Line of Credit or Home Equity Loan is $5,000. All lending services are subject to credit approval. Contact a Coastal representative for specific rates and terms. Home values determined by appraisals. Certain restrictions may apply. To qualify for Relationship Pricing the borrower must agree to have their monthly payments automatically drafted from their qualified Coastal checking account. Quoted APR’s include the payment of third-party closing costs, which range from $10 to $2,000 depending on the loan amount. To learn about what closing costs may apply to you, please stop by your local branch or call our 24-hour call center at 800-868-4262.

Auto Loan Rates

Model Year
APR Fixed
Model Year
APR Fixed
Model Year
APR Fixed
Model Year
APR Fixed
Model Year
APR Fixed
Model Year
APR Fixed

APR = Annual Percentage Rate. Lowest rates and maximum terms based on Coastal Federal Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. Other rates and terms available. All rates and terms are subject to change without notice. Please stop by or call a Credit Union loan representative for full details.

Visa Credit Card Rates

Product
Introductory Rate
Standard APR
Product
Standard APR 0% for 12 months on qualifying purchases and balance transfers*
Standard APR As low as
Product
Standard APR 0% on Purchases and Balance Transfers for first 6 Billing Cycles**
Standard APR As low as
Product
Standard APR 0% on Purchases & Balance Transfers for 6 Billing Cycles**
Standard APR As low as
Product
Standard APR N/A
Standard APR

* A special balance transfer rate of 0.00% APR applies for 12 months from the account open date. At the end of 12 billing cycles, the transferred balances will migrate to the standard rate qualified for.Fees tied to balance transfers do apply.

** A special purchase and balance transfer rate of 0.00% APR applies for 6 months from the account open date. At the end of 6 billing cycles, the transferred balances will migrate to the standard rate qualified for. Fees tied to balance transfers do apply.

† Lowest rate based on Coastal Federal Credit Union\'s Qualified Loan Program. Your rate may vary and is determined by your credit worthiness.This ANNUAL PERCENTAGE RATE (APR) will vary with the market based on the Prime Rate. Normal credit approval applies

Visa Credit Card Disclosures

Other Loan Rates

Unsecured Signature/Overdraft Protection
Product
APR Fixed
APR Variable
Approx Term
Product
APR Fixed
APR Variable 1
Approx Term
Product
APR Fixed
APR Variable 1
Approx Term
Shared Secured
Product
APR Fixed
APR Variable
Approx Term
ProductShare Secured
APR Fixed
APR Variable
Approx Term
ProductCertificates
APR Fixed
APR Variable
Approx Term
  • APR = Annual Percentage Rate.
  • Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program.
  • Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms.
  • Other rates and terms available.
  • All rates and terms are subject to change without notice.

Please stop by or call a Credit Union loan representative for full details.

1Lowest rates based on Coastal Federal Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit qualifications, amount financed, collateral and loan terms. Other rates and terms available. All rates and terms are subject to change without notice. Please stop by or call a Credit Union loan representative for full details.

Loan Rates

Deposit Rates

Business Account Rates

Check Mortgage Rates

DEPOSITS

Savings

Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account
ProductSavings
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account OpenOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account OpenOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account OpenOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account OpenOpen

1 Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

Checking

Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account
Product


Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


Open Account OpenOpen
Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


Open Account OpenOpen
Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


Open Account OpenOpen
Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


Open Account OpenOpen

1 Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

Go Green Money Market

Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Product


Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


Product


Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


Product


Minimum Deposit up to

Balances above

Dividend Rate


APY


Effective Date


1 Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

Money Market

Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Product
Minimum Deposit
Dividend Rate
APY
Effective Date

1 Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

Certificates

Special Promotional Term Certificate Rates1,2
Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Certificate1,2
Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:

1Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

2Early withdrawals from certificate accounts are subject to Credit Union penalty. All Savings and Certificate products are federally insured up to $250,000 by NCUA* Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. NCUA is the National Credit Union Administration, an agency of the United States government.

IRAs

Special Promotional IRA Term Certificate Rates1
To open, visit your closest branch
Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
IRA Certificate Rates2
To open, visit your closest branch
Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:

1 Early withdrawals from certificate accounts are subject to Credit Union penalty. Funds in IRA accounts are eligible for separate insurance protection up to $250,000 by NCUA. Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. *APY means Annual Percentage Yield.

2 Early withdrawals from certificate accounts are subject to Credit Union penalty.Funds in IRA accounts are eligible for separate insurance protection up to $250,000 by NCUA. Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. *APY means Annual Percentage Yield.

Loan Rates

Deposit Rates

Business Account Rates

Check Mortgage Rates

Business Account Rates

Business Account Rates

Business Account Rates1,2
Call to open at 919-420-8000
Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:

Savings rates are subject to change daily. All member deposits are insured up to $250,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited.