Forms & Disclosures | NC Loan Application | Coastal Credit Union

Checking & Savings

Checking Accounts
Explore our range of checking accounts from Go Green, Basic, to Student options, tailored to fit your financial lifestyle.

Savings
Maximize your savings with our High Yield Savings, Go Green Money Market, and specialized accounts like HSA and Coverdell ESA.

Certificates
Secure your savings with our competitive rates and a variety of terms to grow your investment.

Wealth Management
Access expert financial planning and investment services to build and manage your financial goals.

Mortgages & Home Equity

Mortgages
Find your perfect mortgage option, from first-time homebuyer programs to refinancing solutions and more specialized loans like jumbo and investment property mortgages.

Home Equity
Use your home’s equity to fund your next big project.

First-Time Homebuyer
Embark on your homeownership journey with tailored solutions and support designed for first-time buyers.

Daymark Realty
Our wholly-owned Daymark Realty offers personalized assistance in buying or selling your home, ensuring a seamless real estate experience.

Credit Cards & Loans

Credit Cards
Choose from our suite of credit cards tailored to your spending style and financial goals.

Auto Loans
Drive off with confidence with our competitive auto loans for new and used vehicles, including refinancing options.

Personal Loans
Meet your individual financing needs with our personal loans, overdraft lines of credit, and secured loans.

Find a Car Dealer
Our AutoSMART tool lets you connect with reputable dealers in our network to find your next vehicle at competitive terms.

Business Services

Business Checking
Manage your business finances efficiently with our tailored checking accounts.

Business Visa
Enhance your purchasing power with a Business Visa card, featuring exclusive benefits and rewards for your business expenses.

Business Loans
Fuel your business growth with our range of loan options.
Go Green with Checking

Switch to Go Green Checking and start earning more on your checking.

Get Go Green Checking
Financial Advantages

How to Become a Member
Start enjoying the benefits of Coastal Credit Union membership today!

Complimentary Retirement Plan
Take advantage of our complimentary retirement planning services to secure your future financial stability.

Free Debt Counseling
Get professional debt counseling to help you manage and reduce your debts effectively.

Real Estate Services
Streamline your home buying or selling process with our wholly-owned Daymark Realty service.

Beat the Bank Auto Refinance
Refinance your auto loan with us and enjoy lower rates and better terms than traditional banks can offer.

7-7/7 Teller Hours
Access our teller services beyond traditional hours with our extended teller hours from 7 AM to 7 PM, seven days a week.

Entertainment & Lifestyle

Coastal Music Park Benefits
Enjoy exclusive benefits at Coastal Music Park, including special ticket access and discounts just for members.

Member Perks & Discounts
Discover discounts and perks available exclusively to our members.
Become a Member

Join Coastal Credit Union and start enjoying exclusive member benefits, personalized services, and a community that supports you.

Join Now
Account Management

Make a Payment
Learn how to quickly and easily make payments to keep your accounts up-to-date.

How to Request a Payoff Quote
Find out how to request a payoff quote for your loan.

Schedule an Appointment
Book a convenient time to meet with us for personalized service and support.

Overdraft Forgiveness
Avoid hefty fees from small mistakes with our forgiving overdraft options.

Financial Information

Rates
Check out our competitive rates on loans, savings, and other financial products.

Calculators
Use our variety of financial calculators to help plan your budget, calculate loan payments, and more.

Forms & Disclosures
Access all necessary forms and disclosure documents to manage your accounts effectively.

Insurance Options
Explore a range of insurance products available to protect you and your assets.

Education & Support

Financial Education Center
Enhance your financial knowledge with resources and tools available in our Financial Education Center.

Member Assistance Program
Learn about programs available to help members through financial hardships or unexpected events.

Blog
Stay informed with the latest tips, trends, and financial advice from Coastal CU.

FAQs
Find answers to frequently asked questions about our products and services.

Fraud Prevention & Security Updates
Stay ahead of fraud with the latest alerts and learn how to protect your personal information.

Digital Tools

Digital Banking
Manage your accounts efficiently with our secure and easy-to-use digital banking platform.

Digital Wallets
Enjoy the convenience of digital wallets for secure and fast payments on the go.

Bill Pay
Simplify your bill payments with our easy-to-use Bill Pay service, saving you time and hassle.

Pay a Person
Send money directly to friends or family quickly and securely with our Pay a Person feature.
View Our Rates

Check out our competitive rates on loans, savings, and more to maximize your financial growth.

See Rates
About Coastal

The Coastal Difference
See what sets Coastal Credit Union apart with our member-first philosophy.

Locations
Find your nearest Coastal Credit Union branch or ATM.

Awards & Recognition
Discover the awards and honors that recognize Coastal Credit Union's commitment to excellence in service and community involvement.

Leadership & Board
Meet the dedicated leaders and board members who guide Coastal Credit Union’s vision and strategic direction.

Pressroom
Access the latest press releases, news features, and media content about Coastal Credit Union.

Careers
Explore career opportunities at Coastal Credit Union and see how you can contribute to our team.

Community Engagement

Coastal in the Community
See how we're making a difference in the community through various initiatives and partnerships.

Coastal Credit Union Foundation
Learn about the work of our foundation, which supports education, health, and human services in our community.

Become a Business Partner
Partner with Coastal to offer your employees comprehensive financial services as part of your benefits package.

Values & Initiatives

Our Values
Discover the core values that drive everything we do at Coastal Credit Union, from service to innovation.

Diversity, Equity, Inclusion, and Belonging
Learn about our commitment to fostering an inclusive environment that celebrates diversity and promotes equality.

Support & Contact

How We Keep Your Money Safe
Learn how we protect your financial assets and personal information.

Contact Us
Find all the ways you can get in touch with us, whether you need assistance or have questions about our services.

Holiday Schedule
View Coastal Credit Union’s holiday schedule to know when our services and branches will be available.
Join Our Team

Build your career at Coastal Credit Union, where we value growth, community, and a commitment to excellence.

Explore Careers

Credit Card Forms

Dispute Forms

Affidavit for ATM/PIN Based Transaction Discrepancies
Written Statement of Unauthorized ACH Transactions
To file a card dispute or fraud, please call 800-868-4262

Business Loan Forms

Other Forms

Fees

Fees	Effective Date
Schedule of Fees - Personal	September 1, 2024
Schedule of Fees - Business	September 1, 2024

Disclosures

Membership Disclosures	Effective Date
Electronic Funds Transfer	January 13, 2022
Privacy Policy	N/A

Disclosures

Deposit Accounts Disclosures	Effective Date
Funds Availability Policy	June 25, 2020
Truth in Savings - Savings & Checking	March 1, 2024
Truth in Savings - Certificates	March 1, 2023
Truth in Savings - Special Certificates	March 1, 2019
Overdraft Services Consent Form	August 2, 2024

All Credit Cards

Credit Cards Disclosures	Effective Date
Visa® Application and Solicitation Disclosure	May 1, 2023

Signature Premier Rewards Visa®

Signature Premier Rewards Visa®	Effective Date
Guide to Benefits	January 20, 2022
Consumer Credit Card Agreement	January 20, 2022
Application and Solicitation Disclosure	January 20, 2022

Rewards Visa®

Rewards Visa®	Effective Date
Guide to Benefits	January 20, 2022
Consumer Credit Card Agreement	January 20, 2022
Application and Solicitation Disclosure	January 20, 2022

Rate Advantage Visa®

Rate Advantage Visa®	Effective Date
Guide to Benefits	January 20, 2022
Consumer Credit Card Agreement	January 20, 2022
Application and Solicitation Disclosure	January 20, 2022

Rate Advantage Secured Visa®

Rate Advantage Secured Visa®	Effective Date
Guide to Benefits	January 20, 2022
Consumer Credit Card Agreement	January 20, 2022
Application and Solicitation Disclosure	January 20, 2022

Business Visa®

Business Visa®	Effective Date
Guide to Benefits	January 20, 2022
Consumer Credit Card Agreement	January 20, 2022
Application and Solicitation Disclosure	January 20, 2022

Old Visa® Disclosures

Old Visa® Disclosures - Credit Card Agreements	Old Visa® Disclosures - Other Disclosures
Big Ticket Visa®	Loanliner Addendum
Cash Back Visa®	Infinity Visa
Community Visa®	Visa® Platinum
Community Secured Visa®	Visa® Gold II
Infinity Visa®	Visa® Gold
Student [Cu] Visa®	Visa® Classic

Disclosures

Lending Account Disclosures	Effective Date
Home Equity Early Disclosure	May 13, 2021
Interest Only Home Equity Early Disclosure	May 13, 2021

Disclosures

Online Services Disclosures	Effective Date
Digital Banking Services Agreement and Disclosure	March 1, 2019
Online Account Opening e-Sign Disclosure and Consent	June 1, 2014
Bill Pay Terms and Conditions	February 1, 2017
Electronic Document Agreement and Disclosure	February 1, 2017
Digital Wallets	July 14, 2021