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.

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Take our Deposit Product rates with you

Deposit Products

Savings Account Rates

Savings Account Rates

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

Product Minimum Opening Deposit Dividend Rate APY
Primary Savings 10 $25 0.10% 0.10%
Special Savings 10 $25 0.10% 0.10%
Health Savings Account (HSA) 10 $0 1.00% 1.00%

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 Minimum Opening Deposit Dividend Rate APY

Premium Tier 11
Average Daily Balances of $10,000 or more

 $25 2.96% 3.00%

Base Tier 11
Average Daily Balances of $9,999.99 or less

 $25 0.10% 0.10%

 

Go Green Money Market Rates

Go Green Money Market Rates

Bundle Go Green Money Market with Go Green Checking and benefit from higher dividends.

Product Minimum Opening Deposit Dividend Rate APY
Premium Tier 14
15 or more Go Green Checking debit card transactions posted per month		 $25 3.20% 3.25%
Base Tier 14
0-14 Go Green Checking debit card transactions posted per month		 $25 1.00% 1.00%

 

Basic Money Market Rates

Basic Money Market Rates

Another simple way to grow your savings with competitive rates. Enjoy flexibility and easy access to your funds while earning more.

Product Minimum Opening Deposit Dividend Rate APY
Basic Money Market15 $25 1.98% 2.00%

 

Go Green Checking Account Rates

Go Green Checking Account Rates

Make everyday banking more rewarding.

Go Green Checking Tiers Minimum Opening Deposit APY on average daily balances $10,000 or less APY on average daily balances above $10,000
Premium Tier 6
15 or more Debit Card Transactions Posted Per Month		 $25 5.00% 0.05%
Base Tier 6
0-14 Debit Card Transactions Posted Per Month		 $25 0.05% 0.05%

 

Student Checking Rates

Student Checking Rates

Designed for students to help manage finances while pursuing education.

Student Checking Tiers Minimum Opening Deposit APY on average daily balances $10,000 or less APY on average daily balances above $10,000
Premium Tier 6
15 or more Debit Card Transactions Posted Per Month		 $25 5.00% 0.05%
Base Tier 6
0-14 Debit Card Transactions Posted Per Month		 $25 0.05% 0.05%

 

Basic Checking Rates

Basic Checking Rates

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

Product Minimum Opening Deposit Dividend Rate APY
Basic Checking $25 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 Opening Deposit Dividend Rate APY Effective Date
6 Month 19 $250 4.17% 4.25% 03/03/25
12 Month 19 $250 4.17% 4.25% 05/16/2025
15 Month Jumbo 19 $100,000 4.27% 4.35% 05/16/2025
18 Month 19 $250 4.17% 4.25% 8/16/24
24 Month 19 $250 4.17% 4.25% 03/03/25
36 Month 19 $250 4.17% 4.25% 03/03/25
48 Month 19 $250 4.17% 4.25% 03/03/25
60 Month 19 $250 4.17% 4.25% 03/03/25

 

High Yield IRA Savings Rates

High Yield IRA Savings Rates

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

Product Minimum Opening Deposit Dividend Rate APY
High Yield IRA Savings Account 18 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 Opening Deposit Dividend Rate APY
6 Month19 $250 4.17% 4.25%
12 Month 19 $250 4.17% 4.25%
15 Month Jumbo 19 $100,000 4.27% 4.35%
18 Month 19 $250 4.17% 4.25%
24 Month 19 $250 4.17% 4.25%
36 Month 19 $250 4.17% 4.25%
48 Month 19 $250 4.17% 4.25%
60 Month 19 $250 4.17% 4.25%

 

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 7.10% APR 76
Up to 80% of your home's combined loan-to-value 75 7.15% APR 76
Up to 90% of your home's combined loan-to-value 75 7.24% APR 76
Up to 100% of your home's combined loan-to-value 75 10.05% 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

2024 - 2025

 5.49 - 6.99% 5.99 - 7.24% 6.34 - 8.29%
2021 - 2023 5.64 - 7.09% 6.14 - 7.34% 6.49 - 8.39%
2018 - 2020 5.84 - 7.14% 6.14 - 7.39% 6.54 - 8.44%

2014 - 2017 (max term 72 months)

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

2010 - 2013 (max term 66 months)

 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% intro APR on balance transfers for the first 12 billing cycles 36

 15.50% to 18.00%
Rate Advantage 0% intro APR on purchases & balance transfers for the first 6 billing cycles 38 11.50% 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 APR48 Fixed as low as APR Variable as low as Max Term
Personal Loan 49 9.49% N/A Up to 10 Years

Personal
Line of Credit 50,51

 N/A 13.24% N/A

 

Business Products

Business Savings Rates

Business Savings Rates

Save smarter with a hassle-free account that helps your business grow.

Product Minimum Opening Deposit Dividend Rate APY
Business Primary Savings 74 $25 0.10% 0.10% 

Business Checking Rates

Business Checking Rates

Unlock a world of possibilities to help your business reach its full potential.

Product Minimum Opening Deposit Dividend Rate APY
Business Checking 74 $25 N/A N/A

 

Business High Yield Savings

Business High Yield Savings

Earn more on your savings while keeping your funds flexible and accessible.
Product Minimum Opening Deposit Dividend Rate APY 
Premium Tier
Average Daily Balances of $10,000.00 or more 74		 $25 1.00% 1.00% 
Base Tier
Average Daily Balances of $9,999.99 or less 74		 $25 0.25% 0.25% 

Business Money Market

Business Money Market

Earn more with tiered rates that increase as your balance grows. Enjoy compounding earnings and easy access to your funds.

Product Minimum Opening Deposit Dividend Rate APY
Business Money Market74 $25 0.25% 0.25% 

Business Credit Card Rates

Business Credit Card Rates

Empower your business spending with flexible credit solutions and a competitive rate
Product Standard APR
Business Credit Card 109 14.75%