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Coastal Community Federal Credit Union

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Coastal Community Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Coastal Community Federal Credit Union?

Current rates for Coastal Community Federal Credit Union include: 12-Month CD: 3.63%, 24-Month CD: 3.35%, 60-Month CD: 3.42%, Savings: 0.06%, MMA: 1.65%

Q: What CD terms does Coastal Community Federal Credit Union offer?

Coastal Community Federal Credit Union CD rates are 3.59% APY for a 6 month CD, 3.63% APY for a 12 month CD, 3.35% APY for a 2 year CD, 3.33% APY for a 3 year CD and 3.42% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Coastal Community Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Coastal Community Federal Credit Union's 1 Year CDs rates are at 3.63%, 6 Month CDs rates are at 3.59%, 5 Year CDs rates are at 3.42%, 2 Year CDs rates are at 3.35%, 3 Year CDs rates are at 3.33%. Coastal Community Federal Credit Union's savings rates are at 0.06%. Coastal Community Federal Credit Union's money market rates are at 1.65%. Coastal Community Federal Credit Union's checking rates are as high as 0.03%. Coastal Community Federal Credit Union's Personal Loan Rates are as low as 8.47%. Coastal Community Federal Credit Union's Credit Card Rates are at 10.47%. Coastal Community Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Coastal Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.25%. Rates last updated and verified on 10/29/2026.

Coastal Community Federal Credit Union 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 Federal Credit Union? Share your experience about Coastal Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Coastal Community Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.25%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Coastal Community Federal Credit Union
Main Office

2302 Church St
Galveston, TX 77550

https://www.coastalcommunityfcu.org

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Coastal Community Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Jumbo Certificates	3.67%	3.74%	1 year
Min Deposit $100,000 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.74% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
1 Year IRA Fixed Certificates	3.65%	3.72%	1 Year
Min Balance $500 Details Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.72% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
1 Year Share Certificates	3.57%	3.63%	1 year
Min Deposit $500 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
6 Month Share Certificates	3.53%	3.59%	6 months
Min Deposit $500 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.59% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
5 Year Jumbo Certificates	3.47%	3.53%	5 years
Min Deposit $100,000 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
5 Year IRA Fixed Certificates	3.45%	3.51%	5 Year
Min Balance $500 Details Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
2 Year Jumbo Certificates	3.39%	3.45%	2 years
Min Deposit $100,000 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
2 Year IRA Fixed Certificates	3.37%	3.43%	2 Year
Min Balance $500 Details Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
3 Year Jumbo Certificates	3.37%	3.43%	3 years
Min Deposit $100,000 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
5 Year Share Certificates	3.37%	3.42%	5 years
Min Deposit $500 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.42% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
3 Year IRA Fixed Certificates	3.35%	3.41%	3 Year
Min Balance $500 Details Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
2 Year Share Certificates	3.29%	3.35%	2 years
Min Deposit $500 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
3 Year Share Certificates	3.27%	3.33%	3 years
Min Deposit $500 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
4 Year Jumbo Certificates	3.18%	3.23%	4 years
Min Deposit $100,000 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.23% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
4 Year Share Certificates	3.08%	3.13%	4 years
Min Deposit $500 Details Dividend Period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 3.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Savings Rates

Product	Rate	APY
Regular Shares	0.13%	0.13%
Min Balance $2,001 Details Balance: $2,001+; Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Regular Savings	0.06%	0.06%
Min Balance $100 Details Balance: $100 - $2000; Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Checking Rates

Product	Rate	APY
High-Tide Checking (Money Market)	1.64%	1.65%
Min Balance $100,000 Details Balance: $100,000 and over; Dividend Period: M Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
High-Tide Checking (Money Market)	1.23%	1.23%
Min Balance $25,000 Details Balance: $25,000 - $99,999; Dividend Period: M Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 1.23% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
High-Tide Checking (Money Market)	0.61%	0.61%
Min Balance $2,500 Details Balance: $2,500 - $24,999; Dividend Period: M Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Advantage Plus Checking	0.03%	0.03%
Min Balance $250 Details Dividend Period: M Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Regular Checking	0.03%	0.03%
Min Balance $250 Details Dividend Period: M Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	3.59%	0-36 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 3.01% → 3.59% ▲ 0.58 pts · high 3.59% / low 3.01% Oct 22, 20263.59%▲ from 3.47% Sep 25, 20263.47%▲ from 3.26% Sep 17, 20263.26%▲ from 3.01% Sep 14, 20263.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	3.81%	0-36 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.01% → 3.81% ▲ 0.80 pts · high 3.97% / low 3.01% Oct 22, 20263.81%▼ from 3.97% Oct 5, 20263.97%▲ from 3.47% Sep 25, 20263.47%▲ from 3.26% Sep 17, 20263.26%▲ from 3.01% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	3.81%	37-48 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.06% → 3.81% ▼ 0.25 pts · high 4.06% / low 3.81% Oct 22, 20263.81%▼ from 3.97% Sep 25, 20263.97%▼ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.31%	0-36 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 3.01% → 4.31% ▲ 1.30 pts · high 4.31% / low 3.01% Oct 22, 20264.31%▲ from 4.27% Oct 5, 20264.27%▲ from 3.97% Sep 25, 20263.97%▼ from 4.06% Sep 17, 20264.06%▲ from 3.01% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.31%	37-48 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 4.06% → 4.31% ▲ 0.25 pts · high 4.31% / low 3.97% Oct 22, 20264.31%▲ from 4.27% Oct 5, 20264.27%▲ from 3.97% Sep 25, 20263.97%▼ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.31%	49-60 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.06% → 4.31% ▲ 0.25 pts · high 4.31% / low 4.06% Oct 22, 20264.31%▲ from 4.27% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.61%	0-36 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 3.01% → 4.61% ▲ 1.60 pts · high 4.61% / low 3.01% Oct 22, 20264.61%▲ from 4.27% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%▲ from 3.01% Sep 14, 20263.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.61%	37-48 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.06% → 4.61% ▲ 0.55 pts · high 4.61% / low 4.06% Oct 22, 20264.61%▲ from 4.27% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.61%	49-60 Months
Details Credit Grade: A; source printed "4.61%%" Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.06% → 4.61% ▲ 0.55 pts · high 4.61% / low 4.06% Oct 22, 20264.61%▲ from 4.27% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	4.61%	61-75 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.06% → 4.61% ▲ 0.55 pts · high 4.61% / low 4.06% Oct 22, 20264.61%▲ from 4.27% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	5.31%	37-48 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.76% → 5.31% ▲ 0.55 pts · high 5.31% / low 4.76% Oct 22, 20265.31%▲ from 4.97% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	5.31%	49-60 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.76% → 5.31% ▲ 0.55 pts · high 5.31% / low 4.76% Oct 22, 20265.31%▲ from 4.97% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	5.31%	61-75 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 4.76% → 5.31% ▲ 0.55 pts · high 5.31% / low 4.76% Oct 22, 20265.31%▲ from 4.97% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	5.31%	76-84 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 6.76% → 5.31% ▼ 1.45 pts · high 6.76% / low 4.76% Oct 22, 20265.31%▲ from 4.97% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	6.81%	49-60 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.26% → 6.81% ▲ 0.55 pts · high 6.81% / low 6.26% Oct 22, 20266.81%▲ from 6.47% Sep 25, 20266.47%▲ from 6.26% Sep 17, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	6.81%	61-75 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 6.51% → 6.81% ▲ 0.30 pts · high 6.81% / low 6.47% Oct 22, 20266.81%▲ from 6.72% Oct 5, 20266.72%▲ from 6.47% Sep 25, 20266.47%▼ from 6.51% Sep 17, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	6.81%	76-84 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.76% → 6.81% ▲ 0.05 pts · high 6.81% / low 6.47% Oct 22, 20266.81%▲ from 6.72% Oct 5, 20266.72%▲ from 6.47% Sep 25, 20266.47%▼ from 6.51% Sep 17, 20266.51%▼ from 6.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	7.02%	61-75 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.51% → 7.02% ▲ 0.51 pts · high 7.02% / low 6.51% Oct 22, 20267.02%▲ from 6.72% Sep 25, 20266.72%▲ from 6.51% Sep 17, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	7.06%	76-84 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 6.76% → 7.06% ▲ 0.30 pts · high 7.06% / low 6.72% Oct 22, 20267.06%▲ from 6.97% Oct 5, 20266.97%▲ from 6.72% Sep 25, 20266.72%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	7.31%	76-84 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.76% → 7.31% ▲ 0.55 pts · high 7.31% / low 6.76% Oct 22, 20267.31%▲ from 6.97% Sep 25, 20266.97%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	13.31%	0-36 Months
Details Credit Grade: D Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 12.76% → 13.31% ▲ 0.55 pts · high 13.31% / low 12.76% Oct 22, 202613.31%▲ from 12.96% Sep 25, 202612.96%▲ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	14.41%	0-36 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 12.76% → 14.41% ▲ 1.65 pts · high 14.41% / low 12.76% Oct 22, 202614.41%▲ from 14.07% Sep 25, 202614.07%▲ from 13.86% Sep 17, 202613.86%▲ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	14.41%	37-48 Months
Details Credit Grade: D Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 14.16% → 14.41% ▲ 0.25 pts · high 14.41% / low 14.07% Oct 22, 202614.41%▲ from 14.37% Oct 5, 202614.37%▲ from 14.07% Sep 25, 202614.07%▼ from 14.16% Sep 17, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	14.71%	37-48 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 14.16% → 14.71% ▲ 0.55 pts · high 14.71% / low 14.16% Oct 22, 202614.71%▲ from 14.37% Sep 25, 202614.37%▲ from 14.16% Sep 17, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	14.71%	49-60 Months
Details Credit Grade: D Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 14.16% → 14.71% ▲ 0.55 pts · high 14.97% / low 14.16% Oct 22, 202614.71%▼ from 14.97% Oct 5, 202614.97%▲ from 14.37% Sep 25, 202614.37%▲ from 14.16% Sep 17, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	15.31%	49-60 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 14.76% → 15.31% ▲ 0.55 pts · high 15.31% / low 14.76% Oct 22, 202615.31%▲ from 14.97% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	15.31%	61-75 Months
Details Credit Grade: D Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 14.76% → 15.31% ▲ 0.55 pts · high 15.47% / low 14.76% Oct 22, 202615.31%▼ from 15.47% Oct 5, 202615.47%▲ from 14.97% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	15.81%	61-75 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 15.26% → 15.81% ▲ 0.55 pts · high 15.81% / low 15.26% Oct 22, 202615.81%▲ from 15.47% Sep 25, 202615.47%▲ from 15.26% Sep 17, 202615.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	15.81%	76-84 Months
Details Credit Grade: D Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 15.76% → 15.81% ▲ 0.05 pts · high 15.97% / low 15.26% Oct 22, 202615.81%▼ from 15.97% Oct 5, 202615.97%▲ from 15.47% Sep 25, 202615.47%▲ from 15.26% Sep 17, 202615.26%▼ from 15.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loan	-	-	16.31%	76-84 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 15.76% → 16.31% ▲ 0.55 pts · high 16.31% / low 15.76% Oct 22, 202616.31%▲ from 15.97% Sep 25, 202615.97%▲ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	6.31%	0-36 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 12.76% → 6.31% ▼ 6.45 pts · high 12.76% / low 5.76% Oct 22, 20266.31%▼ from 6.32% Oct 5, 20266.32%▲ from 5.97% Sep 25, 20265.97%▲ from 5.76% Sep 18, 20265.76%▼ from 12.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.31%	37-48 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 6.11% → 6.31% ▲ 0.20 pts · high 6.32% / low 6.11% Oct 22, 20266.31%▼ from 6.32% Sep 25, 20266.32%▲ from 6.11% Sep 18, 20266.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.66%	0-36 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 12.76% → 6.66% ▼ 6.10 pts · high 12.76% / low 6.11% Oct 22, 20266.66%▲ from 6.47% Oct 5, 20266.47%▲ from 6.32% Sep 25, 20266.32%▲ from 6.11% Sep 18, 20266.11%▼ from 12.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.66%	37-48 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.11% → 6.66% ▲ 0.55 pts · high 6.72% / low 6.11% Oct 22, 20266.66%▼ from 6.72% Oct 5, 20266.72%▲ from 6.32% Sep 25, 20266.32%▲ from 6.11% Sep 18, 20266.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.66%	49-60 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.76% → 6.66% ▼ 0.10 pts · high 6.76% / low 6.26% Oct 22, 20266.66%▼ from 6.72% Oct 5, 20266.72%▲ from 6.47% Sep 25, 20266.47%▲ from 6.26% Sep 18, 20266.26%▼ from 6.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.81%	0-36 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 12.76% → 6.81% ▼ 5.95 pts · high 12.76% / low 6.26% Oct 22, 20266.81%▲ from 6.47% Sep 25, 20266.47%▲ from 6.26% Sep 18, 20266.26%▼ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.81%	37-48 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.26% → 6.81% ▲ 0.55 pts · high 6.81% / low 6.26% Oct 22, 20266.81%▲ from 6.72% Oct 5, 20266.72%▲ from 6.47% Sep 25, 20266.47%▲ from 6.26% Sep 18, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.81%	49-60 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.76% → 6.81% ▲ 0.05 pts · high 6.81% / low 6.26% Oct 22, 20266.81%▲ from 6.72% Oct 5, 20266.72%▲ from 6.47% Sep 25, 20266.47%▲ from 6.26% Sep 18, 20266.26%▼ from 6.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	7.06%	37-48 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 6.51% → 7.06% ▲ 0.55 pts · high 7.06% / low 6.51% Oct 22, 20267.06%▲ from 6.72% Sep 25, 20266.72%▲ from 6.51% Sep 18, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	7.06%	49-60 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.76% → 7.06% ▲ 0.30 pts · high 7.06% / low 6.51% Oct 22, 20267.06%▲ from 6.97% Oct 5, 20266.97%▲ from 6.72% Sep 25, 20266.72%▲ from 6.51% Sep 18, 20266.51%▼ from 6.76% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	7.06%	0-84 Months
Details Credit Grade: A+; Effective Date: October 20, 2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.31% → 7.06% ▼ 0.25 pts · high 7.32% / low 7.06% Oct 22, 20267.06%▼ from 7.32% Sep 25, 20267.32%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	7.06%	0-180 Months
Details Credit Grade: A+ Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 7.11% → 7.06% ▼ 0.05 pts · high 7.32% / low 7.06% Oct 22, 20267.06%▼ from 7.32% Sep 25, 20267.32%▲ from 7.11% Sep 17, 20267.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	7.31%	49-60 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.76% → 7.31% ▲ 0.55 pts · high 7.31% / low 6.76% Oct 22, 20267.31%▲ from 6.97% Sep 25, 20266.97%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	7.66%	0-84 Months
Details Credit Grade: A; Effective Date: October 20, 2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.31% → 7.66% ▲ 0.35 pts · high 7.66% / low 7.31% Oct 22, 20267.66%▲ from 7.52% Sep 25, 20267.52%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	7.66%	0-180 Months
Details Credit Grade: A Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 7.11% → 7.66% ▲ 0.55 pts · high 7.66% / low 7.11% Oct 22, 20267.66%▲ from 7.52% Oct 9, 20267.52%▲ from 7.32% Sep 25, 20267.32%▲ from 7.11% Sep 17, 20267.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	7.86%	0-84 Months
Details Credit Grade: B; Effective Date: October 20, 2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.31% → 7.86% ▲ 0.55 pts · high 7.86% / low 7.31% Oct 22, 20267.86%▲ from 7.52% Sep 25, 20267.52%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	7.86%	0-180 Months
Details Credit Grade: B Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 7.31% → 7.86% ▲ 0.55 pts · high 7.86% / low 7.31% Oct 22, 20267.86%▲ from 7.52% Sep 25, 20267.52%▲ from 7.31% Sep 17, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	8.82%	0-84 Months
Details Credit Grade: C; Effective Date: October 20, 2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 8.27% → 8.82% ▲ 0.55 pts · high 8.82% / low 8.27% Oct 22, 20268.82%▲ from 8.48% Sep 25, 20268.48%▲ from 8.27% Sep 14, 20268.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	8.82%	0-180 Months
Details Credit Grade: C Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 8.27% → 8.82% ▲ 0.55 pts · high 8.82% / low 8.27% Oct 22, 20268.82%▲ from 8.48% Sep 25, 20268.48%▲ from 8.27% Sep 17, 20268.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	15.31%	0-84 Months
Details Credit Grade: D; Effective Date: October 20, 2026 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 15.76% → 15.31% ▼ 0.45 pts · high 15.76% / low 14.76% Oct 22, 202615.31%▲ from 14.97% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%▼ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	15.31%	0-180 Months
Details Credit Grade: D Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 14.76% → 15.31% ▲ 0.55 pts · high 15.31% / low 14.76% Oct 22, 202615.31%▲ from 14.97% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	15.32%	49-60 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 14.77% → 15.32% ▲ 0.55 pts · high 15.32% / low 14.77% Oct 22, 202615.32%▲ from 14.98% Sep 25, 202614.98%▲ from 14.77% Sep 14, 202614.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	16.31%	0-84 Months
Details Credit Grade: E; Effective Date: October 20, 2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 15.76% → 16.31% ▲ 0.55 pts · high 16.31% / low 15.76% Oct 22, 202616.31%▲ from 15.97% Sep 25, 202615.97%▲ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	16.31%	0-180 Months
Details Credit Grade: E Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 15.76% → 16.31% ▲ 0.55 pts · high 16.31% / low 15.76% Oct 22, 202616.31%▲ from 15.97% Sep 25, 202615.97%▲ from 15.76% Sep 17, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Signature Loans	10.47%	10.47%
Details Amount: $20,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 10.13% → 10.47% ▲ 0.34 pts · high 10.47% / low 10.13% Oct 22, 202610.47%▲ from 10.13% Oct 13, 202610.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Card Loans - Platinum Plus	11.90%	11.90%
Details Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	12.47%	12.47%
Details Amount: $15,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 12.13% → 12.47% ▲ 0.34 pts · high 12.47% / low 12.13% Oct 22, 202612.47%▲ from 12.13% Oct 13, 202612.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Card Loans - Visa Platinum	13.90%	13.90%
Details Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 13.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Platinum	13.90%	13.90%
Details Visa Card Loans; Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	14.47%	14.47%
Details Amount: $5,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 14.13% → 14.47% ▲ 0.34 pts · high 14.47% / low 14.13% Oct 22, 202614.47%▲ from 14.13% Oct 13, 202614.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	16.57%	16.57%
Details Amount: $2,500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 16.23% → 16.57% ▲ 0.34 pts · high 16.57% / low 16.23% Oct 22, 202616.57%▲ from 16.23% Oct 13, 202616.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.47%
Details As Low As Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 9.92% → 8.47% ▼ 1.45 pts · high 10.13% / low 8.13% Oct 23, 20268.47%▲ from 8.13% Oct 5, 20268.13%▼ from 10.13% Sep 29, 202610.13%▲ from 8.13% Sep 28, 20268.13%▼ from 10.13% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	10.47%
Details Amount: $20,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 10.13% → 10.47% ▲ 0.34 pts · high 10.47% / low 10.13% Oct 22, 202610.47%▲ from 10.13% Oct 13, 202610.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	12.47%
Details Amount: $15,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 12.13% → 12.47% ▲ 0.34 pts · high 12.47% / low 12.13% Oct 22, 202612.47%▲ from 12.13% Oct 13, 202612.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	14.47%
Details Amount: $5,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 14.13% → 14.47% ▲ 0.34 pts · high 14.47% / low 14.13% Oct 22, 202614.47%▲ from 14.13% Oct 13, 202614.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Visa Signature Loans	16.57%
Details Amount: $2,500 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 16.23% → 16.57% ▲ 0.34 pts · high 16.57% / low 16.23% Oct 22, 202616.57%▲ from 16.23% Oct 13, 202616.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New and Used Farm Equipment Loans	-	-	5.46%	0-72 Months
Details Credit Grade: A+; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.22% → 5.46% ▲ 0.24 pts · high 5.46% / low 5.22% Oct 22, 20265.46%▲ from 5.22%* Oct 13, 20265.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Farm Equipment Loans	-	-	5.56%	0-72 Months
Details Credit Grade: A; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.22% → 5.56% ▲ 0.34 pts · high 5.56% / low 5.22% Oct 22, 20265.56%▲ from 5.22%* Oct 13, 20265.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Farm Equipment Loans	-	-	5.81%	0-72 Months
Details Credit Grade: B; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.47% → 5.81% ▲ 0.34 pts · high 5.81% / low 5.47% Oct 22, 20265.81%▲ from 5.47%* Oct 13, 20265.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Farm Equipment Loans	-	-	6.06%	0-72 Months
Details Credit Grade: C; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.72% → 6.06% ▲ 0.34 pts · high 6.06% / low 5.72% Oct 22, 20266.06%▲ from 5.72%* Oct 13, 20265.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Farm Equipment Loans	-	-	6.31%	0-72 Months
Details Credit Grade: D; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.97% → 6.31% ▲ 0.34 pts · high 6.31% / low 5.97% Oct 22, 20266.31%▲ from 5.97%* Oct 13, 20265.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Farm Equipment Loans	-	-	15.31%	0-72 Months
Details Credit Grade: E; APR = Annual Percentage Rate Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 14.97% → 15.31% ▲ 0.34 pts · high 15.31% / low 14.97% Oct 22, 202615.31%▲ from 14.97%* Oct 13, 202614.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Special Savings	0.06%	-	0.06%	3 Months
Min Balance $100 Details Dividend Period: Q Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Coastal Community Federal Credit Union’s Texas Ratio rose from 3.62% in Q3 2023 to 13.25% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union 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	$93M	13.25%	5.0	A
March 31, 2026	$96M	8.81%	5.0	A
December 31, 2025	$98M	8.45%	5.0	A
September 30, 2025	$97M	11.48%	5.0	A
June 30, 2025	$97M	6.61%	5.0	A
March 31, 2025	$97M	4.76%	5.0	A+
December 31, 2024	$94M	3.03%	5.0	A+
September 30, 2024	$93M	2.85%	5.0	A+
June 30, 2024	$96M	6.03%	5.0	A
March 31, 2024	$95M	5.22%	5.0	A+
December 31, 2023	$94M	4.50%	5.0	A+
September 30, 2023	$93M	3.62%	5.0	A+

Source: NCUA 5300 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 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Coastal Community Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coastal Community Federal Credit Union

Website https://www.coastalcommunityfcu.org

Address 2302 Church St, Galveston, TX 77550

Phone 409-765-6067

Fax 409-765-9853

President Gilbert Robinson

CEO Angelo DeCamps

Full-Time Employees 33

Part-Time Employees 2

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.25%

Return on Assets (ROA)

-0.5039%

Return on Equity (ROE)

-5.0651%

Non-Performing Loans Ratio (NPL)

2.79%

Total Assets

93,302,838

Total Amount of Shares and Deposits

83,533,776

Total Shares and Deposits < 1 Year

80,453,225

Total Shares and Deposits 1 3 Years

2,170,283

Total Shares and Deposits > 3 Years

910,267

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,598,886

Total Uninsured Shares and Deposits > $250K (F+J)

2,598,886

Total Insured Shares and Deposits > $250K (item 17 less item K)

80,934,890

Total Interest Expense (Sum of items 6 8)

504,123

Share Certificates

760

Number of Accounts for Share Drafts

4,232

IRA KEOGH Accounts

275

Number of Accounts for Regular Shares

12,273

Money Market Shares

234

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,937,122

Total Liabilities

84,020,082

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Coastal Community Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Coastal Community Federal Credit Union

Does Coastal Community Federal Credit Union offer CDs?

Yes. Coastal Community Federal Credit Union current CD rates include its 1 Year CDs at 3.63% APY, its 6 Month CDs at 3.59% APY and its 5 Year CDs at 3.42% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Coastal Community Federal Credit Union NCUA insured?

Yes. Coastal Community Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Coastal Community Federal Credit Union?

The highest Coastal Community Federal Credit Union CD rate is its 1 Year Jumbo CDs at 3.74% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Coastal Community Federal Credit Union offer?

Coastal Community Federal Credit Union CD rates are 3.59% APY for a 6 month CD, 3.63% APY for a 12 month CD, 3.35% APY for a 2 year CD, 3.33% APY for a 3 year CD and 3.42% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Coastal Community Federal Credit Union for its full lineup.

What is the highest savings rate at Coastal Community Federal Credit Union?

The highest Coastal Community Federal Credit Union savings rate is its Regular Savings at 0.06% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Coastal Community Federal Credit Union?

The highest Coastal Community Federal Credit Union money market rate is its High-Tide Checking (Money Market) at 1.65% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Coastal Community Federal Credit Union?

The highest Coastal Community Federal Credit Union checking rate is its High-Tide Checking (Money Market) at 1.65% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Coastal Community Federal Credit Union?

The lowest Coastal Community Federal Credit Union auto loan rate is its Vehicle Loan at 3.59% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Coastal Community Federal Credit Union?

The lowest Coastal Community Federal Credit Union personal loan rate is its Signature Loan at 8.47% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Coastal Community Federal Credit Union?

The lowest Coastal Community Federal Credit Union credit card APR is its Visa Signature Loans Credit Card at 10.47%, verified by MonitorBankRates as of October 29, 2026.

How many branches does Coastal Community Federal Credit Union operate?

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

Is a member application needed to join Coastal Community Federal Credit Union?

Yes, to access services at Coastal Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Coastal Community Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Coastal Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Coastal Community Federal Credit Union 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.coastalcommunityfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Coastal Community Federal Credit Union rates compare?

Coastal Community Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. Coastal Community Federal Credit Union's top rates are its 1 Year Jumbo CDs at 3.74% APY, its Regular Savings at 0.06% APY, its High-Tide Checking (Money Market) at 1.65% APY, its Advantage Plus Checking at 0.03% APY, its Signature Loan at 8.47% APR and its Visa Signature Loans Credit Card at 10.47% APR, verified by MonitorBankRates on October 29, 2026.

Current Coastal Community Federal Credit Union Rates

12-Month CD3.63%
24-Month CD3.35%
60-Month CD3.42%
Savings0.06%
MMA1.65%

Retrieved from our database of financial products. Rates subject to change.

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Coastal Community Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Coastal Community Federal Credit Union Texas Ratio

Coastal Community Federal Credit Union Health Trend

Coastal Community Federal Credit Union CD Rates

Coastal Community Federal Credit Union Savings Rates

Coastal Community Federal Credit Union Checking Rates

Coastal Community Federal Credit Union Auto Loan Rates

Coastal Community Federal Credit Union RV, Boat and Powersport Loan Rates

Coastal Community Federal Credit Union Credit Card Rates

Coastal Community Federal Credit Union Personal Loan Rates

Coastal Community Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Coastal Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Coastal Community Federal Credit Union

Does Coastal Community Federal Credit Union offer CDs?

Are CDs from Coastal Community Federal Credit Union NCUA insured?

What is the highest CD rate at Coastal Community Federal Credit Union?

What CD terms does Coastal Community Federal Credit Union offer?

What is the highest savings rate at Coastal Community Federal Credit Union?

What is the highest money market rate at Coastal Community Federal Credit Union?

What is the highest checking rate at Coastal Community Federal Credit Union?

What is the lowest auto loan rate at Coastal Community Federal Credit Union?

What is the lowest personal loan rate at Coastal Community Federal Credit Union?

What is the lowest credit card APR at Coastal Community Federal Credit Union?

How many branches does Coastal Community Federal Credit Union operate?

Is a member application needed to join Coastal Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Coastal Community Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Coastal Community Federal Credit Union rates compare?

Current Coastal Community Federal Credit Union Rates

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