|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Coastal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Coastal Credit Union's CD - 12-Month rates are at 5.00%, CD - 60-Month rates are at 4.50%, CD - 24-Month rates are at 4.25%, CD - 18-Month rates are at 4.10%, CD - 48-Month rates are at 4.10%. Coastal Credit Union's savings rates are at 3.00%. Coastal Credit Union's money market rates are at 2.00%. Coastal Credit Union's checking rates are as high as 5.00%. Coastal Credit Union's Personal Loan Rates are as low as 9.49%. Coastal Credit Union's Credit Card Rates are at 10.75%. Coastal Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Coastal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.34%. Rates last updated and verified on 10/30/2026. Coastal 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 Credit Union? Share your experience about Coastal Credit Union by leaving a review below, or read customer reviews before you decide to use Coastal Credit Union. Coastal Credit Union
Administrative Headquarters 1000 Saint Albans Dr
http://www.coastal24.com Raleigh, NC 27609  Customer Reviews
Be the first to review
Write a Review
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 Credit Union CD Rates
Coastal Credit Union Savings Rates
Coastal Credit Union Business Savings Rates
Coastal Credit Union Money Market Rates
Coastal Credit Union Business Money Market Rates
Coastal Credit Union Checking Rates
Coastal Credit Union Home Equity & HELOC
Coastal Credit Union Auto Loan Rates
Coastal Credit Union Credit Card Rates
Coastal Credit Union Personal Loan Rates
Coastal Credit Union Other Rates
Financial Health HistoryCoastal Credit Union’s Texas Ratio stayed near 3.93% in Q3 2023 to 4.34% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Coastal 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Coastal Credit Union
Website
http://www.coastal24.com
Address
1000 Saint Albans Dr,
Raleigh, NC 27609
Phone
919-420-8000
Fax
President
Joan Nelson
CEO
Tyler Grodi
Full-Time Employees
596
Part-Time Employees
15
Branch Locations
21
ATM Locations
21
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.34%
Return on Assets (ROA)
0.4286%
Return on Equity (ROE)
4.3491%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
6,231,885,338
Total Amount of Shares and Deposits
5,361,265,775
Total Shares and Deposits < 1 Year
4,892,603,445
Total Shares and Deposits 1 3 Years
434,781,709
Total Shares and Deposits > 3 Years
33,880,620
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
680,123,542
Total Uninsured Shares and Deposits > $250K (F+J)
680,123,542
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,681,142,233
Total Interest Expense (Sum of items 6 8)
70,342,121
Share Certificates
40,153
Number of Accounts for Share Drafts
192,043
IRA KEOGH Accounts
11,384
Number of Accounts for Regular Shares
393,536
All other shares
3,766
Money Market Shares
33,451
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)
721,469,608
Total Liabilities
5,643,159,982
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Coastal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Coastal Credit Union
Frequently Asked Questions About Coastal Credit UnionDoes Coastal Credit Union offer CDs?Yes. Coastal Credit Union current CD rates include its CD - 12-Month at 5.00% APY, its CD - 60-Month at 4.50% APY and its CD - 24-Month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Coastal Credit Union NCUA insured?Yes. Coastal 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 Credit Union?The highest Coastal Credit Union CD rate is its CD - 12-Month at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Coastal Credit Union offer?Coastal Credit Union CD rates are 5.00% APY for a 12 month CD, 4.10% APY for an 18 month CD, 4.25% APY for a 2 year CD, 4.10% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Coastal Credit Union for its full lineup. What is the highest savings rate at Coastal Credit Union?The highest Coastal Credit Union savings rate is its High Yield IRA Savings Account at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Coastal Credit Union?The highest Coastal Credit Union money market rate is its Basic Money Market at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Coastal Credit Union?The highest Coastal Credit Union checking rate is its Go Green Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Coastal Credit Union?The lowest Coastal Credit Union auto loan rate is its Auto Loans at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Coastal Credit Union?The lowest Coastal Credit Union personal loan rate is its Personal Loan at 9.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Coastal Credit Union?The lowest Coastal Credit Union credit card APR is its Visa Credit Card - Rate Advantage at 10.75% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Coastal Credit Union operate?Coastal 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 Credit Union?Yes, to access services at Coastal 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Coastal Credit Union offer online and mobile banking?Most modern institutions like Coastal 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: http://www.coastal24.com. 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 Credit Union rates compare?Coastal Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. Coastal Credit Union's top rates are its CD - 12-Month at 5.00% APY, its High Yield IRA Savings Account at 3.00% APY, its Basic Money Market at 2.00% APY, its Go Green Checking at 5.00% APY, its Personal Loan at 9.49% APR and its Visa Credit Card - Rate Advantage at 10.75% APR, verified by MonitorBankRates on October 30, 2026. Current Coastal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
CoastLife Credit Union
Marion County School Employees Federal Credit Union
Eagle Credit Union
The Local Credit Union
Friendly Federal Credit Union
Willis Knighton Federal Credit Union
Cal-Ed Federal Credit Union
Planites Credit Union
Lion Federal Credit Union
Alive Credit Union
Solutions Federal Credit Union
Daviess County Teachers Federal Credit Union
LES Credit Union
Great Lakes Credit Union
P&S Credit Union
Diamond Valley Federal Credit Union
Carolina Foothills Federal Credit Union
Meridian Mutual Federal Credit Union
Westmark Credit Union
Raytown Lees Summit Community Credit Union
FCI Ashland Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
