What are the current interest rates at Coastal Community Bank?

Current rates for Coastal Community Bank include: 12-Month CD: 0.09%, 24-Month CD: 0.14%, 36-Month CD: 0.14%, Savings: 0.05%, MMA: 0.28%

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Coastal Community Bank

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Coastal Community Bank Rates & Review September 2026

Q: How many branches does Coastal Community Bank operate?

Coastal Community Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Coastal Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coastal Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Coastal Community Bank's 2 Years 2 Year Certificates of Deposit (CDs) rates are at 0.14%, 2 Years 2 Year Certificates of Deposit (CDs) rates are at 0.14%, 2 Years 2 Year Certificates of Deposit (CDs) rates are at 0.14%, 2 Years 2 Year Certificates of Deposit (CDs) rates are at 0.14%, 2 Years 2 Year Certificates of Deposit (CDs) rates are at 0.14%. Coastal Community Bank's savings rates are at 0.05%. Coastal Community Bank's money market rates are at 0.28%. MonitorBankRates evaluates the financial stability of Coastal Community Bank with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.96%. Rates last updated and verified on 09/18/2026.

Coastal Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Coastal Community Bank? Share your experience about Coastal Community Bank by leaving a review below, or read customer reviews before you decide to use Coastal Community Bank.

Overall Health & Safety Grade

Solid Health Score: 85/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

20.96%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Coastal Community Bank

5415 Evergreen Way
Everett, WA 98203

https://www.coastalbank.com

Coastal Community Bank CD Rates

Product	Rate	APY	Term
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $0 Details Balance: Below $15,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 but less than $25,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $75,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $75,000 Details Balance: Equal to or greater than $75,000.00 but less than $95,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $95,000 Details Balance: Equal to or greater than $95,000.00 but less than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
2 Year Certificates of Deposit (CDs)	0.14%	0.14%	2 Years
Min Deposit $500 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $0 Details Balance: Below $15,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 but less than $25,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $75,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $75,000 Details Balance: Equal to or greater than $75,000.00 but less than $95,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $95,000 Details Balance: Equal to or greater than $95,000.00 but less than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
3 Year Certificates of Deposit (CDs)	0.14%	0.14%	3 Years
Min Deposit $500 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $0 Details Balance: Below $15,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 but less than $25,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $75,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $75,000 Details Balance: Equal to or greater than $75,000.00 but less than $95,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $95,000 Details Balance: Equal to or greater than $95,000.00 but less than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
12 Month Certificates of Deposit (CDs)	0.09%	0.09%	12 Months
Min Deposit $500 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $0 Details Balance: Below $15,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 but less than $25,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $75,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $75,000 Details Balance: Equal to or greater than $75,000.00 but less than $95,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $95,000 Details Balance: Equal to or greater than $95,000.00 but less than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
6 Month Certificates of Deposit (CDs)	0.06%	0.06%	6 Months
Min Deposit $500 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%

Coastal Community Bank Savings Rates

Product	Rate	APY
Business Savings	0.05%	0.05%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Regular Savings	0.05%	0.05%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%

Coastal Community Bank Money Market Rates

Product	Rate	APY
Money Market	0.40%	0.40%
Min Deposit $100 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 but less than $250,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Money Market	0.40%	0.40%
Min Deposit $100 Min Balance $250,000 Details Balance: Equal to or great than $250,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Money Market	0.35%	0.35%
Min Deposit $100 Min Balance $50,000 Details Balance: Equal to or less than $50,000.00 but less than $100,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Money Market	0.31%	0.31%
Min Deposit $100 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Money Market	0.28%	0.28%
Min Deposit $100 Min Balance $0 Details Balance: Below $15,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Money Market	0.28%	0.28%
Min Deposit $100 Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 but less than $25,000.00 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%

Coastal Community Bank Checking Rates

Product	Rate	APY
Green Rewards Checking	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: Below $10,000.00, Qualified Balances Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Green Rewards Checking	0.07%	0.07%
Min Deposit $100 Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00, Qualified Balances Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Green Rewards Checking	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - Nonqualified Balances Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%
Interest Checking	0.02%	0.02%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%

Coastal Community Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Individual Attorney/Client Trust	0.02%	-	0.02%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 20.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Coastal Community Bank’s Texas Ratio rose from 13.51% in Q3 2023 to 20.96% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.5B	20.96%	4.5	B
March 31, 2026	$5.7B	13.33%	5.0	A
December 31, 2025	$4.7B	13.00%	5.0	A
September 30, 2025	$4.5B	12.55%	5.0	A
June 30, 2025	$4.5B	13.16%	5.0	A
March 31, 2025	$4.3B	12.55%	5.0	A
December 31, 2024	$4.1B	14.37%	5.0	A-
September 30, 2024	$4.1B	17.90%	4.8	B+
June 30, 2024	$4.0B	14.95%	5.0	A-
March 31, 2024	$3.9B	16.45%	4.9	A-
December 31, 2023	$3.7B	16.15%	4.9	A-
September 30, 2023	$3.7B	13.51%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Coastal Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Coastal Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Coastal Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Coastal Community Bank

Bank Holding Company COASTAL FINANCIAL CORP

Address 5415 Evergreen Way, Everett, WA 98203 · Snohomish

Website https://www.coastalbank.com

FDIC Certificate # 34403

Established 19970401

FDIC Insurance Date 19970401

Domestic Offices 14

Total Branches 14

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 85/100

4.5

Excellent Out of 5.0 Stars

20.96%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -1.1026%

Return on Equity (ROE) -11.9100%

Non-Performing Loans (NPL) 1.80%

Total Assets $5,452,231,000

Total Deposits $4,902,267,000

Equity Capital $467,455,000

Net Income $-29,127,000

Headquarters Everett

Total Branches and Offices 14

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Coastal Community Bank

How many branches does Coastal Community Bank operate?

Coastal Community Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Coastal Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coastal Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Coastal Community Bank offer online and mobile banking?

Most modern institutions like Coastal Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.coastalbank.com.