Coastal Credit Union Rates

Our Rates work in your best interest.

As a not-for-profit cooperative, Coastal is committed to putting our members first. Unlike traditional banks, our primary goal is not to generate profits for shareholders but to provide you, our members, with the most competitive rates and financial solutions.

Deposit Products

Savings Account Rates

Savings Account Rates

The first step of membership. Grow your savings and build financial security.

Product Minimum Deposit Dividend Rate Dividend Rate
Savings 61 $25.00 0.10% 0.10%
Special Savings 62 $0 0.10% 0.10%
Health Savings Account (HSA) 63 $1.00 0.60% 0.60%

High Yield Savings Rates

High Yield Savings Rates

Maximize your savings potential with rates designed for those looking to earn more on larger balances. 

Product Dividend Rate APY

Tier 1 64
Average Daily Balances of $9,999.99 or less

 0.10% 0.10%

Tier 1 64
Average Daily Balances of $10,000 to $49,999.99

 2.96% 3.00%

Tier 3 64
Average Daily Balances of $50,000 to $99,999.99

 2.96% 3.00%

Tier 4 64
Average Daily Balances of $100,000 to $249,999.99

 2.96% 3.00%

Tier 5 64
Average Daily Balances of $250,000.00 or more

 2.96% 3.00%

 

High Yield IRA Savings Account Rates

High Yield IRA Savings Account Rates

Secure your future with attractive rates on IRA savings, boosting your retirement fund.

Product Minimum Deposit Dividend Rate APY

High Yield IRA Savings Account 65

 N/A 2.96% 3.00%

 

Go Green Money Market Rates

Go Green Money Market Rates

Bundle with Go Green Checking and benefit from higher dividends.

Product Dividend Rate APY
Premium Tier 66
15 or more Go Green Checking debit card transactions posted per month		 3.45% 3.50%
Base Tier 66
0-14 Go Green Checking debit card transactions posted per month		 0.99% 1.00%

 

Go Green Checking Account Rates

Go Green Checking Account Rates

Make everyday banking more rewarding.

Go Green Checking Tiers APY on average daily balances of $10,000 or less APY on average daily balances above $10,000
Go Green Premium Tier 68
15 or more Debit Card Transactions Posted Per Month		 5.00% 0.05%
Go Green Base Tier 68
0-14 Debit Card Transactions Posted Per Month		 0.05% 0.05%

 

Student Checking Rates

Student Checking Rates

Designed for students to help manage finances while pursuing education.

Student Checking Tiers APY on average daily balances $10,000 or less APY on average daily balances above $10,000
Student Checking Premium Tier 68
15 or more Debit Card Transactions Posted Per Month		 5.00% 0.05%
Student Checking Standard Tier 68
0-14 Debit Card Transactions Posted Per Month		 0.05% 0.05%

 

Basic Checking Rates

Basic Checking Rates

Keep it simple with our straightforward, easy-to-understand Basic Checking account

Product Minimum Deposit Dividend Rate APY
Basic Checking No minimum balance required N/A N/A

 

Certificate Rates

Certificate Rates

Invest in your future with fixed-rate certificates that offer security and higher earning potential.

Terms Minimum Deposit Dividend Rate APY Effective Date
6 Month $250 4.89% 5.00% APY 69 5/16/2024
12 Month $250 4.41% 4.50% APY 69 10/04/2024
18 Month $250 4.17% 4.25% APY 69 8/16/2024
24 Month $250 4.02% 4.10% APY 69 8/16/2024
36 Month $250 3.74% 3.80% APY 69 9/20/2024
48 Month $250 3.64% 3.70% APY 69 9/20/2024
60 Month $250 3.64% 3.70% APY 69 9/20/2024

 

High Yield IRA Savings Rates

High Yield IRA Savings Rates

Elevate your retirement planning with high yield rates on IRA savings accounts.

Product Minimum Deposit Dividend Rate APY
High Yield IRA Savings Account 72 N/A 2.96% 3.00%

 

IRA Certificate Rates

IRA Certificate Rates

Boost your retirement savings with our specialized IRA certificates featuring guaranteed returns.

IRA Certificate Term Minimum Deposit Dividend Rate APY
6 Month $250 4.89% 5.00% APY 71
12 Month $250 4.41% 4.50% APY 71
18 Month $250 4.17% 4.25% APY 71
24 Month $250 4.02% 4.10% APY 71
36 Month $250 3.74% 3.80% APY 71
48 Month $250 3.64% 3.70% APY 71
60 Month $250 3.64% 3.70% APY 71

 

Business Accounts Deposit Rates

Business Accounts Deposit Rates

Enhance your business's financial growth with our competitive deposit rates on business accounts.

Product Minimum Deposit Dividend Rate APY
Business Savings73 $25 .10% .10% APY 74
Small Business Checking $0 N/A N/A
Business Basic Checking $0 N/A N/A
Business Dividend Checking $0 .05% .05% APY 74
Business Money Market $0 .15% .15% APY 74
Business Money Market $5,000.01 .20% .20% APY 74
Business Money Market $25,000.01 .25% .25% APY 74

Loan Products

Find your perfect home with our flexible mortgage options and competitive rates.

View Mortgage Rates See our Mortgage Options

Home Equity Line of Credit (HELOC) Rates

Home Equity Line of Credit (HELOC) Rates

Leverage your home's equity with our flexible HELOC options at favorable rates. Finance larger expenses or consolidate debt.

Product Annual Percentage Rate Variable as low as (Primary Residence)
Up to 70% of your home's combined loan-to-value 75 7.60% APR 76
Up to 80% of your home's combined loan-to-value 75 7.65% APR 76
Up to 90% of your home's combined loan-to-value 75 7.74% APR 76
Up to 100% of your home's combined loan-to-value 75 10.55% APR 76

 

Home Equity Loan Rates

Home Equity Loan Rates

Borrow against your home equity at competitive rates to finance larger expenses or consolidate debt.

Product Term Annual Percentage Rate Fixed as low as
Up to 100% of your home's combined loan-to-value75 60 Months 9.45% APR 77
61-120 Months 9.45% APR 77
121-180 Months 9.45% APR 77
181-240 Months 9.45% APR 77
Up to 90% of your home's combined loan-to-value75 60 Months 8.39% APR 77
61-120 Months 8.49% APR 77
121-180 Months 8.64% APR 77
181-240 Months 8.99% APR 77
Up to 80% of your home's combined loan-to-value75 60 Months 7.84% APR 77
61-120 Months 7.84% APR 77
121-180 Months 8.04% APR 77
181-240 Months 8.14% APR 77

 

Auto Loan Rates

Auto Loan Rates

Drive off in your dream car with flexible terms and competitive auto loan rates.

Model Year

PAY OFF SOONER 

Up to 48 months78 
APR as low as

MOST POPULAR

49 to 66 months 
APR as low as

LOWER PAYMENT

67 to 84 months 
APR as low as
2023 - 2024 5.49 - 6.99% 5.99 - 7.24% 6.34 - 8.29%
2020 - 2022 5.64 - 7.09% 6.14 - 7.34% 6.49 - 8.39%
2017 - 2019 5.84 - 7.14% 6.14 - 7.39% 6.54 - 8.44%

2013 - 2016

(max term 72 mo)

 6.04 - 7.34% 6.29 - 7.59% 6.69 - 7.99%

2012 & Older 

(max term 66 mo)

 6.19 - 7.49% 6.49 - 7.74% Not Available

 

Visa Credit Card Rates

Visa Credit Card Rates

From low rates to premium rewards, we have the right credit card for you.

Product Intro Offer After Intro APR79
Signature Premier Rewards

0% APR for 12 months on Balance Transfers for first 12 Billing Cycles80

 16.50% to 18.00%
Rewards Visa

0% APR on Purchases and Balance Transfers for first 6 Billing Cycles81

 16.50% to 18.00%
Rate Advantage 0% APR on Purchases & Balance Transfers for first 6 Billing Cycles81 12.50% to 18.00%
Rate Advantage Secured N/A 18.00%

 

Personal Loan Rates

Personal Loan Rates

Flexible, affordable loan options to get you closer to your goals.

Signature/Overdraft Protection Product APR82 Fixed as low as APR Variable as low as Max Term
Personal Loan83 9.49% N/A Up to 10 Years
Personal Line of Credit84,51 N/A 13.74% N/A

 

Business Credit Card Rates

Business Credit Card Rates

Empower your business spending with flexible credit solutions and a competitive rate.

Product Standard APR82
Business Credit Card 14.75%