Check out Coastal's great rates and be sure to check with us first for all your lending and deposit needs!
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Rates

Rates effective as of

Mortgage Rates

A complete listing of Mortgage Rates can be found on our Mortgage Web site. Since Mortgage needs can be unique, this site gives a personalized list of rates based on the criteria entered. Be sure to sign up for Rate Watchers, where Coastal will email you Mortgage rates on a regular basis, based on what type of rate you're looking for.

Check Mortgage Rates

Home Equity Rates

Product
APR Fixed
APR Variable
Approx Term
Apply
Product
APR Fixed
APR Variable

2 (Primary Residence)

Approx Term
ApplyApply
Product
APR Fixed
APR Variable

2 (Primary Residence)

Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable

2 (Primary Residence)

Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable

2 (Primary Residence)

Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable-
Approx Term
ApplyApply
APR Fixed
APR Variable-
Approx Term
ApplyApply
Product
APR Fixed
APR Variable-
Approx Term
ApplyApply
APR Fixed
APR Variable-
Approx Term
ApplyApply
Product
APR Fixed
APR Variable-
Approx Term
ApplyApply
APR Fixed
APR Variable-
Approx Term
ApplyApply
Home Improvement
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Residential Lot Loan
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
  • 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.

Home Equity Loan Payment Example:
If you finance $50,000 for 15 years (180 months) at 7.50% fixed APR, your monthly payment will be $463.64.

1 Property insurance is required. Flood Insurance may be required. The minimum line amount available 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.

2 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. Rates provided are based on Prime Rate as published in the Wall Street Journal, ten days before the end of the prior month. As of June 20, 2012, the Prime Rate is 3.25%. The minimum APR for a Home Equity Line of Credit is 3.25%. The maximum APR for a home equity line of credit is 15%. Rates are variable and subject to change monthly.

3 All rates are based on Coastal Federal Credit Union's Qualified Loan Program. 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, and loan terms. The minimum APR for a Home Equity loan is 4.25%. The maximum APR for a Home Equity loan is 15%. Rates are subject to change.

Auto Loan Rates

Model Year
APR Fixed
Apply
Model Year-
APR Fixed
ApplyApply
Model Year-
APR Fixed
ApplyApply
Model Year-
APR Fixed
ApplyApply
Model Year-
APR Fixed
ApplyApply
Model Year-
APR Fixed
ApplyApply

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
APR Non-Variable
APR Variable
Approx Term
Apply
APR Non-Variable0% for 6 months on qualifying purchases and balance transfers1

Standard APR is
APR Variable
Approx Term
ApplyApply
APR Non-Variable
APR Variable
Approx Term
ApplyApply
APR Non-Variable
APR Variable2,3
Approx Term
ApplyApply
APR Non-Variable2, 3
APR Variable
Approx Term
ApplyApply
APR Non-Variable0% on the first $250 of account balance4

for balances over $250
APR Variable
Approx Term
ApplyApply

1A special rate of 0% APR applies for 6 months on individual purchases (single-receipt purchases) or balance transfers of $600 or more during the life of the account. After 6 months any remaining unpaid balance will convert to the standard rate of 18.00% APR. For purchase and balance transfer under $600 the standard rate of 18.00% APR applies.

2 Lowest rate based on Coastal Federal Credit Union's Qualified Loan Program. Your rate may vary and is determined by your credit worthiness.

3 Your rate will vary with the market based on the Prime Rate.

4Interest-free financing on a balance up to $250 for 48 months after the card is opened. Balances of more than $250 will be at a non-variable rate of 10.00% during the first 48 months. The standard APR (after the 48 months) is 10.00%. The Cash Advance APR is 10.00%. Normal credit approval applies.

Visa Credit Card Disclosures

Other Loan Rates

Product
APR Fixed
APR Variable
Approx Term
Apply
New Recreational Vehicles
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Used Recreational Vehicle
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
New Recreational Watercraft
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Used Recreational Watercraft
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Product
APR Fixed
APR Variable
Approx Term
ApplyApply
Other Secured
(motorcycle, horse trailer, towing vehicles, tractor)
ProductNew
APR Fixed
APR Variable
Approx Term
ApplyApply
ProductUsed
APR Fixed
APR Variable
Approx Term
ApplyApply
Unsecured Signature/Overdraft Protection
ProductClosed End
APR Fixed
APR Variable
Approx Term
ApplyApply
ProductOpen End (Line of Credit)
APR Fixed
APR Variable
Approx Term
ApplyApply
Shared Secured
ProductShare Secured
APR Fixed
APR Variable
Approx Term
ApplyApply
ProductCertificates
APR Fixed
APR Variable
Approx Term
ApplyApply
  • 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.

Deposit Rates

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

($100 is required to open the account. $5 of that has to remain in the account for membership)
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit

(30 Debit Transactions Posted Per Month)
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit

(12 Debit Transactions Posted Per Month)
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Product
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountCall to open at 919-420-8000
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen
Minimum Deposit
Dividend Rate
APY
Effective Date
Open AccountOpen

Certificate Rates

Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account
Certificate Rates2
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
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Effective:
Open Account:Open
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APY:
Effective:
Open Account:Open
Minimum Deposit:
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APY:
Effective:
Open Account:Open
Terms:
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Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Terms:
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Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Open

1Savings rates are subject to change daily. All member deposits are insured 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.

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.

3Early withdrawals from certificate accounts are subject to Credit Union penalty. **The Special 24 month Add-On IRA certificate offers a unique add-on feature which allows you to make additional deposits, i.e., new contributions (IRS contribution rules still may apply), rollovers, transfers, etc., throughout the duration of the 24 month term. 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.

IRA Certificate Rates

Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account
IRA Certificate Rates
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000

Business Account Rates

Terms
Minimum Deposit
Dividend Rate
APY
Effective Date
Open Account
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000
Terms:
Minimum Deposit:
Dividend Rate:
APY:
Effective:
Open Account:Call to open at 919-420-8000

Savings rates are subject to change daily. All member deposits are insured 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.