What are the current interest rates at COASTAL?

Current rates for COASTAL include: 12-Month CD: 4.15%, 18-Month CD: 4.10%, 24-Month CD: 4.25%, 60-Month CD: 4.50%, Savings: 3.00%, MMA: 2.00%

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COASTAL Rates & Review October 2026

Q: How many branches does COASTAL operate?

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

Q: Is a member application needed to join COASTAL?

Yes, to access services at COASTAL, 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.

Q: Is there a first-time homebuyer program?

Currently, COASTAL 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 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: October 10, 2026

COASTAL's top rates as of October 10, 2026 are 4.50% APY on its 60 Month IRA CD, 3.00% APY on savings, 2.00% APY on money market accounts, 5.00% APY on checking, 7.88% on its Investment Property Loan - 30 year fixed mortgage, personal loans from 9.49% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other COASTAL CD rates include 60-Month CD at 4.50%, 27 Month IRA CD Jumbo at 4.40%, and 27-Month Jumbo CD at 4.40%. Other COASTAL mortgage rates include Investment Property Loan - 7/6 ARM at 8.00%. MonitorBankRates evaluates the financial stability of COASTAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.34%. Rates last updated and verified on 10/10/2026.

COASTAL 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? Share your experience about COASTAL by leaving a review below, or read customer reviews before you decide to use COASTAL.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

COASTAL
Administrative Headquarters

1000 Saint Albans Dr
Raleigh, NC 27609

http://www.coastal24.com

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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 CD Rates

Product	Rate	APY	Term
60 Month IRA Certificate	4.41%	4.50%	60 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
60-Month Certificate	4.41%	4.50%	60-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15% Oct 1, 20264.50%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
27 Month IRA Certificate Jumbo	4.31%	4.40%	27 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
27-Month Jumbo Certificate	4.31%	4.40%	27-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00% Oct 1, 20264.40%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
24 Month IRA Certificate	4.17%	4.25%	24 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
24-Month Certificate	4.17%	4.25%	24-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
15 Month IRA Certificate Jumbo	4.12%	4.20%	15 Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
15-Month Jumbo Certificate	4.12%	4.20%	15-Month
Min Deposit $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10% Oct 1, 20264.20%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
12 Month IRA Certificate	4.07%	4.15%	12 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
12-Month Certificate	4.07%	4.15%	12-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 1, 20264.15%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
18 Month IRA Certificate	4.03%	4.10%	18 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
18-Month Certificate	4.03%	4.10%	18-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
48 Month IRA Certificate	4.03%	4.10%	48 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
48-Month Certificate	4.03%	4.10%	48-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 1, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
36 Month IRA Certificate	3.93%	4.00%	36 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
36-Month Certificate	3.93%	4.00%	36-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 1, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
6 Month IRA Certificate	3.93%	4.00%	6 Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
6-Month Certificate	3.93%	4.00%	6-Month
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Savings Rates

Product	Rate	APY
High Yield IRA Savings Account	2.96%	3.00%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
High Yield Savings Premium Tier	2.96%	3.00%
Min Deposit $25 Min Balance $10,000 Details Average Daily Balances of $10,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Health Savings Account (HSA)	1.00%	1.00%
Min Deposit $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
High Yield Savings Base Tier	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Average Daily Balances of $9,999.99 or less Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Primary Savings	0.10%	0.10%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Special Savings	0.10%	0.10%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Business Savings Rates

Product	Rate	APY
Business High Yield Savings Account - Premium Tier	1.00%	1.00%
Min Deposit $25 Min Balance $10,000 Details Average Daily Balances of $10,000.00 or more Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Business High Yield Savings Account - Base Tier	0.25%	0.25%
Min Deposit $25 Min Balance $10,000 Details Average Daily Balances of $9,999.99 or less Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Business Primary Savings	0.10%	0.10%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Money Market Rates

Product	Rate	APY	View More
Basic Money Market	1.98%	2.00%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	0.25%	0.25%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Checking Rates

Product	Rate	APY	View More
Go Green Checking	-	5.00%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: 15 or more Debit Card Transactions Posted Per Month; APY on average daily balances $10,000 or less; Premium Tier Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Mortgage Rates

Product	Rate	Points	APR	Term
Investment Property Loan - 30 year fixed	7.875%	-	8.248%	30 years
Details For a $400,000 loan for a term of 30 years with a 7.875% interest rate, the APR for this loan type is 8.248%, the monthly payment is $2,900.28. Taxes and insurance are not included in this payment example, the actual payment obligation will be greater. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Investment Property Loan - 7/6 ARM	8.00%	-	8.32%	7 years
Details Initial interest rate; subject to increase after the initial fixed period. For a $400,000 loan and a term of 7/6 ARM with an 8.00% initial interest rate, the APR for this loan type is 8.32%, subject to increase after the initial fixed period. Based on current market conditions, the monthly payment schedule would be 84 payments of $2,935.06. Taxes and insurance are not included in this payment example; the actual payment obligation will be greater. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.32% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.85%
Details Up to 70% of your home's combined loan-to-value Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.60% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.60% Oct 1, 20266.85%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Home Equity Line of Credit	-	-	6.90%
Details Up to 80% of your home's combined loan-to-value Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.60% → 6.90% ▲ 0.30 pts · high 6.90% / low 6.60% Oct 6, 20266.90%▲ from 6.85% Oct 1, 20266.85%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Home Equity Line of Credit	-	-	6.99%
Details Up to 90% of your home's combined loan-to-value Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.60% → 6.99% ▲ 0.39 pts · high 6.99% / low 6.60% Oct 6, 20266.99%▲ from 6.85% Oct 1, 20266.85%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Home Equity Line of Credit	-	-	9.80%
Details Up to 100% of your home's combined loan-to-value Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.60% → 9.80% ▲ 3.20 pts · high 9.80% / low 6.60% Oct 6, 20269.80%▲ from 6.85% Oct 1, 20266.85%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.99%	66 months
Details Drive off in your dream car with flexible terms and competitive auto loan rates. 43 APR = Annual Percentage Rate. 3.99 % APR is only available for well qualified applicants on vehicles with year model 2025 - 2027 . Oldest vehicle Coastal will finance is a 2011 (max term 66 months) model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Interest accrues daily. 44 For a $25,000 loan amount, a term of 48 months with a 3.99 % APR fixed, the estimated monthly payment will be $565.30 . For a $25,000 loan amount, a term of 60 months with a 4.49 % APR fixed, the estimated monthly payment will be $466.84 . For a $25,000 loan amount, a term of 84 months with a 5.49 APR fixed, the estimated monthly payment will be $359.97 . Rates subject to change. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Auto Loans	-	-	4.49%	60 months
Details Drive off in your dream car with flexible terms and competitive auto loan rates. 43 APR = Annual Percentage Rate. 3.99 % APR is only available for well qualified applicants on vehicles with year model 2025 - 2027 . Oldest vehicle Coastal will finance is a 2011 (max term 66 months) model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Interest accrues daily. 44 For a $25,000 loan amount, a term of 48 months with a 3.99 % APR fixed, the estimated monthly payment will be $565.30 . For a $25,000 loan amount, a term of 60 months with a 4.49 % APR fixed, the estimated monthly payment will be $466.84 . For a $25,000 loan amount, a term of 84 months with a 5.49 APR fixed, the estimated monthly payment will be $359.97 . Rates subject to change. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Auto Loans	-	-	5.49%	84 months
Details Drive off in your dream car with flexible terms and competitive auto loan rates. 43 APR = Annual Percentage Rate. 3.99 % APR is only available for well qualified applicants on vehicles with year model 2025 - 2027 . Oldest vehicle Coastal will finance is a 2011 (max term 66 months) model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Interest accrues daily. 44 For a $25,000 loan amount, a term of 48 months with a 3.99 % APR fixed, the estimated monthly payment will be $565.30 . For a $25,000 loan amount, a term of 60 months with a 4.49 % APR fixed, the estimated monthly payment will be $466.84 . For a $25,000 loan amount, a term of 84 months with a 5.49 APR fixed, the estimated monthly payment will be $359.97 . Rates subject to change. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Credit Card Rates

Product	Rate	APR
Rate Advantage Visa	-	10.75%
Details Published APR range: 10.75% to 18.00%. Regular APR: 10.75% to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Business Credit Card	-	14.75%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Rate Advantage Secured Visa	-	18.00%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Personal Loan Rates

Product	APR	Term
Personal Loan	9.49%	Up to 10 Years
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Personal Line of Credit	12.74%
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Oct 1, 202612.74%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Signature Premier Rewards Loan	14.75%
Details Published APR range: 14.75% to 18.00%. Regular APR: 14.75% to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

COASTAL Other Rates

Product	Rate	Points	APY/APR
Rate Advantage Loan	-	-	10.75%
Details Published APR range: 10.75% to 18.00%. Regular APR: 10.75% to 18.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Base Tier	0.10%	-	0.10%
Min Deposit $25 Min Balance $10,000 Details Average Daily Balances of $9,999.99 or less Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Premium Tier	2.96%	-	3.00%
Min Deposit $25 Min Balance $10,000 Details Average Daily Balances of $10,000 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

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’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

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	$6.2B	4.34%	5.0	A+
March 31, 2026	$6.2B	4.91%	5.0	A+
December 31, 2025	$6.0B	5.17%	5.0	A+
September 30, 2025	$5.8B	4.41%	5.0	A+
June 30, 2025	$5.8B	5.49%	5.0	A+
March 31, 2025	$5.7B	4.39%	5.0	A+
December 31, 2024	$5.5B	4.95%	5.0	A+
September 30, 2024	$5.4B	4.73%	5.0	A+
June 30, 2024	$5.2B	4.65%	5.0	A+
March 31, 2024	$5.2B	4.07%	5.0	A+
December 31, 2023	$5.0B	4.84%	5.0	A+
September 30, 2023	$4.9B	3.93%	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 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name COASTAL

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

Financials

MonitorBankRates 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

Q2 2026 MBR Health & Safety Badge

COASTAL earned the Verified Healthy badge

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Frequently Asked Questions About COASTAL

How many branches does COASTAL operate?

COASTAL 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?

Yes, to access services at COASTAL, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does COASTAL offer online and mobile banking?

Most modern institutions like COASTAL 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.

Current COASTAL Rates

12-Month CD4.15%
18-Month CD4.10%
24-Month CD4.25%
60-Month CD4.50%
Savings3.00%
MMA2.00%

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

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COASTAL Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About COASTAL

How many branches does COASTAL operate?

Is a member application needed to join COASTAL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does COASTAL offer online and mobile banking?

Current COASTAL Rates

Compare to Other Credit Unions