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Coastal1 Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
Coastal1 Credit Union's CD Of Deposit - 13 month NEW MONEY ONLY rates are at 4.25%, CD Of Deposit - 17 month rates are at 4.00%, CD Of Deposit - 5 month rates are at 4.00%, CD Of Deposit - 4 month rates are at 3.75%, CD Of Deposit - 9 month rates are at 3.00%. Coastal1 Credit Union's savings rates are at 0.15%. Coastal1 Credit Union's money market rates are at 0.80%. Coastal1 Credit Union's checking rates are as high as 3.25%. Coastal1 Credit Union's Jumbo Fixed Rate Mortgage 10 yr rates are at 6.62%, Jumbo Fixed Rate Mortgage 15 yr rates are at 6.88%, Jumbo Adjustable Rate (ARM) 10/1 rates are at 6.88%, Adjustable Rate (ARM) 10/1 rates are at 6.75%, Adjustable Rate (ARM) 5/5 rates are at 6.12%. Coastal1 Credit Union's Personal Loan Rates are as low as 10.49%. Coastal1 Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Coastal1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.68%. Rates last updated and verified on 10/30/2026.
Coastal1 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 Coastal1 Credit Union? Share your experience about Coastal1 Credit Union by leaving a review below, or read customer reviews before you decide to use Coastal1 Credit Union.
Coastal1 Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Coastal1 Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.68%
ExcellentLower than avg
Coastal1 Credit Union Texas Ratio
Coastal1 Credit Union's Texas Ratio is 1.68%, which is considered excellent and is lower than the national average of 6.13%.
Coastal1 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.60% to 1.68% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Coastal1 Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate Of Deposit - 13 month NEW MONEY ONLY
-
4.25%
13 month
Min Deposit$1,000
Min Balance$1,000
DetailsNew money only
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 13 month
-
4.25%
13 month
Min Deposit$500
Min Balance$500
DetailsNew money only
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
Sep 22, 20264.25%▲ from 3.65%
Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 17 month
-
4.00%
17 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 5 month
-
4.00%
5 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 17 month
-
4.00%
17 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
Oct 13, 20264.00%▲ from 3.40%
Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 5 month
-
4.00%
5 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 4 month
-
3.75%
4 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 4 month
-
3.75%
4 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 22 month
-
3.50%
22 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 9 month
-
3.00%
9 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 9 month
-
3.00%
9 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 12 month
-
2.85%
12 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 12 month
-
2.85%
12 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 6 month
-
2.80%
6 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 6 month
-
2.80%
6 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 24 month
-
2.75%
24 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 3 month
-
2.75%
3 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 24 month
-
2.75%
24 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
Oct 13, 20262.75%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 3 month
-
2.75%
3 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 30 month bump-up
-
2.75%
30 month
Min Deposit$500
Min Balance$500
DetailsBump-up
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 2.75% ▼ 0.45 pts · high 3.20% / low 2.75%
Oct 13, 20262.75%▼ from 3.20%
Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 18 month
-
2.50%
18 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 36 month
-
2.50%
36 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 48 month
-
2.50%
48 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 60 month
-
2.50%
60 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 18 month
-
2.50%
18 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 36 month
-
2.50%
36 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
Oct 13, 20262.50%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 48 month
-
2.50%
48 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
Oct 13, 20262.50%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 60 month
-
2.50%
60 month
Min Deposit$500
Min Balance$500
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
Oct 13, 20262.50%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Business Savings Rates
Product
Rate
APY
View More
Business High Yield Savings
-
0.15%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business High Yield Savings
-
0.15%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business High Yield Savings
-
0.10%
Min Deposit$2,500
Min Balance$25
DetailsBalance: $25 to $2,499.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Statement Savings
-
0.10%
Min Deposit$5
Min Balance$25
DetailsBalance: $25
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$25
DetailsBalance: $25 to $2,499.99
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 0.80% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Checking Rates
Product
Rate
APY
View More
Advantage Checking
-
3.25%
Min Deposit$25
Min Balance$0
DetailsQualifications Required; Balance: $0.01 - $20,000.00; Monthly service charge of $25 if account conditions are not met; Limit one Advantage Checking per member
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Jumbo Fixed Rate Mortgage 10 yr
6.625%
0
6.671%
10 years
DetailsLoan amounts greater than $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.67% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Fixed Rate Mortgage 15 yr
6.875%
0
6.908%
15 years
DetailsLoan amounts greater than $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.91% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Adjustable Rate (ARM) 10/1
6.875%
0
6.936%
10/1
DetailsLoan amounts greater than $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
1 change since Oct 13, 2026 · 6.98% → 6.94% ▼ 0.04 pts · high 6.98% / low 6.94%
Oct 26, 20266.94%▼ from 6.98%
Oct 13, 20266.98%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Adjustable Rate (ARM) 10/1
6.75%
0
6.999%
10/1
DetailsFixed Rate up to $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
1 change since Oct 13, 2026 · 7.04% → 7.00% ▼ 0.04 pts · high 7.04% / low 7.00%
Oct 26, 20267.00%▼ from 7.04%
Oct 13, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Adjustable Rate (ARM) 5/5
6.125%
0
7.107%
5/5
DetailsFixed Rate up to $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
1 change since Oct 13, 2026 · 7.18% → 7.11% ▼ 0.07 pts · high 7.18% / low 7.11%
Oct 26, 20267.11%▼ from 7.18%
Oct 13, 20267.18%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Adjustable Rate (ARM) 5/5
6.50%
0
7.113%
5/5
DetailsLoan amounts greater than $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
2 changes since Oct 13, 2026 · 7.24% → 7.11% ▼ 0.12 pts · high 7.24% / low 7.11%
Oct 30, 20267.11%▼ from 7.14%
Oct 26, 20267.14%▼ from 7.24%
Oct 13, 20267.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Fixed Rate Mortgage 20 yr
7.125%
0
7.152%
20 years
DetailsLoan amounts greater than $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Fixed Rate Mortgage 30 yr
7.375%
0
7.396%
30 years
DetailsLoan amounts greater than $832,750; Rates as of 10/15/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.40% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Quick Pay Fixed Rate Mortgage 20 yr
7.25%
0
7.472%
20 years
DetailsRates as of 10/15/2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.47% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Balloon Land Loans (Buildable Lot) 5/1
7.625%
0
7.724%
5/1
DetailsRates as of 10/15/2026
Last Updated10/30/2026
Rate History
1 change since Oct 13, 2026 · 7.78% → 7.72% ▼ 0.06 pts · high 7.78% / low 7.72%
Oct 19, 20267.72%▼ from 7.78%
Oct 13, 20267.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Equity Optimizer HELOC
7.75%
-
7.75%
DetailsRate: Prime Rate plus 0.75%; 15 year draw period; 10 year repayment; Prime Rate equal to 7.00% APR as of 10/15/2026; Rate variable based on WSJ Prime plus margin determined by creditworthiness and LTV, with a floor of 4.00%; $50 annual fee; Reimbursement fee of $250 if paid off within 24 months
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 7.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan - 2025-2026
-
-
6.09%
DetailsAs Low As; Model years 2025-2026; applicants with credit score of 730 or higher; existing Coastal1 auto loans not eligible; rates subject to change without notice
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.09% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
New Autos
-
-
6.09%
DetailsAs Low As; Model Year: 2025-2026; Offer applicable for applicants with a credit score of 730 or higher; Existing Coastal1 Credit Union auto loans are not eligible for this promotion
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Auto Loan - 2023-2025
-
-
6.09%
DetailsAs Low As; Model years 2023-2025 with mileage less than 100,000; applicants with credit score of 730 or higher; existing Coastal1 auto loans not eligible; rates subject to change without notice
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.09% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2023-2025
-
-
6.09%
DetailsAs Low As; Model Year: 2023-2025; Offer for applicants with credit score 730 or higher; used autos model years 2014-2025 with mileage less than 100,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 6.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2020-2022
-
-
6.39%
DetailsAs Low As; Model Year: 2020-2022; Offer for applicants with credit score 730 or higher; used autos model years 2014-2025 with mileage less than 100,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 6.39% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2017-2019
-
-
7.39%
DetailsAs Low As; Model Year: 2017-2019; Offer for applicants with credit score 730 or higher; used autos model years 2014-2025 with mileage less than 100,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 7.39% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2014-2016
-
-
8.09%
DetailsAs Low As; Model Year: 2014-2016; Offer for applicants with credit score 730 or higher; used autos model years 2014-2025 with mileage less than 100,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 8.09% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles - New Loan
-
7.39%
60 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.39% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Motorcycles - Used Loan
-
7.99%
48 months
No additional details.
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
RV/Boat/Trailer/Other Recreational Vehicles - New & Used Loan
-
7.99%
60 months
DetailsAdvertised APR is the lowest available; interest rate determined by individual creditworthiness
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Motorcycles - New (< 10% down payment) Loan
-
8.39%
60 months
DetailsDown Payment: < 10%
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 8.39% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Motorcycles - Used (< 20% down payment) Loan
-
8.99%
48 months
DetailsDown Payment: < 20%
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
RV/Boat/Trailer/Other Recreational Vehicles - New & Used (< 20% down payment) Loan
-
8.99%
60 months
DetailsDown payment less than 20%; advertised APR is the lowest available; interest rate determined by individual creditworthiness
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal/Consolidation Loans
10.49%
48 months
DetailsLoan amounts up to $10,000; Advertised APRs are the lowest available
Last Updated10/30/2026
Rate History
No change since Oct 9, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Personal/Consolidation Loans
10.99%
60 months
DetailsLoan amounts $10,001 - $15,000; Advertised APRs are the lowest available
Last Updated10/30/2026
Rate History
No change since Oct 9, 2026 · 10.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Personal Line Of Credit
11.00%
Revolving
DetailsVariable APR equal to Prime Rate + 4.00%; 11.00% APR as of 10/15/2026; Variable APR based on Prime Rate as published in the Wall Street Journal +3% if $7,500 or more is advanced at closing; Maximum loan amount: $25,000
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 11.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Balloon Land Loans (Buildable Lot) 1/1
7.375%
0
7.521%
1/1
DetailsRates as of 10/15/2026
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 7.52% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Line Of Credit
-
-
6.50%
DetailsIntroductory rate 5.99% for first 12 months, then 6.50% (Prime Rate minus 0.50%); Prime Rate equal to 7.00% APR as of 10/15/2026; New money only
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loan - 15 yrs
-
-
7.375%
15 years
DetailsAdvertised APR available for qualifying properties with LTV of 80% or less; Advertised APR is lowest available; 1-4 family owner-occupied primary residence only; Property insurance required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.38% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loan - 20 yrs
-
-
7.625%
20 years
DetailsAdvertised APR available for qualifying properties with LTV of 80% or less; Advertised APR is lowest available; 1-4 family owner-occupied primary residence only; Property insurance required
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
6.875%
5 years
DetailsAdvertised APR for qualifying properties with LTV of 80% or less; 1-4 family owner-occupied primary residence
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 6.88% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
7.125%
10 years
DetailsAdvertised APR for qualifying properties with LTV of 80% or less; 1-4 family owner-occupied primary residence
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 7.13% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
7.375%
15 years
DetailsAdvertised APR for qualifying properties with LTV of 80% or less; 1-4 family owner-occupied primary residence
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 7.38% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
7.625%
20 years
DetailsAdvertised APR for qualifying properties with LTV of 80% or less; 1-4 family owner-occupied primary residence
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 7.63% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer - Fixed Rate 20 yrs
-
-
8.875%
20 years
DetailsAdvertised APR available for qualifying properties with LTV of 80.01% - 100.00%; single family primary residence only; maximum loan amount $250,000.00; Advertised APR is lowest available
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.88% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.125%
5 years
DetailsAdvertised APR available for qualifying properties with LTV of 80% or less; Rates subject to change without notice; Interest rate determined by individual creditworthiness and loan-to-value ratio; New money only
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 8.13% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.375%
10 years
DetailsAdvertised APR available for qualifying properties with LTV of 80% or less; Rates subject to change without notice; Interest rate determined by individual creditworthiness and loan-to-value ratio; New money only
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 8.38% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.625%
15 years
DetailsAdvertised APR available for qualifying properties with LTV of 80% or less; Rates subject to change without notice; Interest rate determined by individual creditworthiness and loan-to-value ratio; New money only
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 8.63% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.875%
20 years
DetailsAdvertised APR available for qualifying properties with LTV of 80% or less; Rates subject to change without notice; Interest rate determined by individual creditworthiness and loan-to-value ratio; New money only
Last Updated10/30/2026
Rate History
No change since Oct 13, 2026 · 8.88% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Spectrum Home Loan
7.375%
-
7.375%
DetailsNo Points; No Closing Costs; No Hassles
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00%
Oct 19, 20267.38%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Spectrum Home Loan - 12 yrs
-
-
7.375%
12 years
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.38% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Spectrum Home Loan - 17 yrs
-
-
7.625%
17 years
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Financial Health History
Coastal1 Credit Union’s Texas Ratio stayed near 1.60% in Q3 2023 to 1.68% 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
$3.5B
1.68%
5.0
A+
March 31, 2026
$3.5B
1.35%
5.0
A+
December 31, 2025
$3.4B
2.77%
5.0
A+
September 30, 2025
$3.4B
1.96%
5.0
A+
June 30, 2025
$3.4B
2.37%
5.0
A+
March 31, 2025
$3.4B
1.80%
5.0
A+
December 31, 2024
$3.3B
2.36%
5.0
A+
September 30, 2024
$3.4B
1.76%
5.0
A+
June 30, 2024
$3.3B
1.47%
5.0
A+
March 31, 2024
$3.3B
0.84%
5.0
A+
December 31, 2023
$3.3B
1.46%
5.0
A+
September 30, 2023
$3.3B
1.60%
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 Coastal1 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 Coastal1 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 Coastal1 Credit Union's official website for the most current offers and terms.
Address
1200 Central Ave,
Pawtucket, RI 02861-2200
Phone401-722-2212
Fax401-729-4032
PresidentLynn Weinstein
CEOBrian Azar
Full-Time Employees281
Part-Time Employees7
Branch Locations19
ATM Locations19
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.68%
Return on Assets (ROA)
0.3645%
Return on Equity (ROE)
3.4287%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
3,491,726,116
Total Amount of Shares and Deposits
2,735,866,344
Total Shares and Deposits < 1 Year
2,621,467,058
Total Shares and Deposits 1 3 Years
105,556,305
Total Shares and Deposits > 3 Years
8,842,981
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
221,420,522
Total Uninsured Shares and Deposits > $250K (F+J)
221,420,522
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,514,445,822
Total Interest Expense (Sum of items 6 8)
41,055,541
Share Certificates
24,558
Number of Accounts for Share Drafts
43,760
IRA KEOGH Accounts
5,412
Number of Accounts for Regular Shares
150,245
All other shares
5,114
Non Member Deposits
3
Money Market Shares
8,731
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)
199,769,265
Total Liabilities
3,132,299,854
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Coastal1 Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Coastal1 Credit Union
Frequently Asked Questions About Coastal1 Credit Union
Does Coastal1 Credit Union offer CDs?
Yes. Coastal1 Credit Union current CD rates include its CD Of Deposit - 13 month NEW MONEY ONLY at 4.25% APY, its CD Of Deposit - 17 month at 4.00% APY and its CD Of Deposit - 5 month at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Coastal1 Credit Union NCUA insured?
Yes. Coastal1 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 Coastal1 Credit Union?
The highest Coastal1 Credit Union CD rate is its CD Of Deposit - 13 month NEW MONEY ONLY at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Coastal1 Credit Union offer?
Coastal1 Credit Union CD rates are 3.75% APY for a 4 month CD, 4.00% APY for a 5 month CD, 3.00% APY for a 9 month CD, 2.85% APY for a 12 month CD, 4.25% APY for a 13 month CD, 4.00% APY for a 17 month CD, 2.50% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.50% 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 Coastal1 Credit Union for its full lineup.
What is the highest savings rate at Coastal1 Credit Union?
The highest Coastal1 Credit Union savings rate is its Business High Yield Savings at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Coastal1 Credit Union?
The highest Coastal1 Credit Union money market rate is its Business Money Market at 0.80% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Coastal1 Credit Union?
The highest Coastal1 Credit Union checking rate is its Advantage Checking at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at Coastal1 Credit Union?
The lowest Coastal1 Credit Union 30 year fixed mortgage rate is its Jumbo Fixed Rate Mortgage 30 yr at 7.375%, verified by MonitorBankRates as of October 30, 2026. Coastal1 Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.25% for a 20 year mortgage, 6.875% for a 15 year mortgage and 6.625% for a 10 year mortgage.
What is the lowest auto loan rate at Coastal1 Credit Union?
The lowest Coastal1 Credit Union auto loan rate is its New Auto Loan - 2025-2026 at 6.09% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Coastal1 Credit Union?
The lowest Coastal1 Credit Union personal loan rate is its Personal/Consolidation Loans at 10.49% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Coastal1 Credit Union operate?
Coastal1 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 Coastal1 Credit Union?
Yes, to access services at Coastal1 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, Coastal1 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, Coastal1 Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Coastal1 Credit Union offer online and mobile banking?
Most modern institutions like Coastal1 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.coastal1.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 Coastal1 Credit Union rates compare?
Coastal1 Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. Coastal1 Credit Union's top rates are its CD Of Deposit - 13 month NEW MONEY ONLY at 4.25% APY, its Business High Yield Savings at 0.15% APY, its Business Money Market at 0.80% APY, its Advantage Checking at 3.25% APY, its Adjustable Rate (ARM) 5/5 at 6.125% and its Personal/Consolidation Loans at 10.49% APR, verified by MonitorBankRates on October 30, 2026.
Current Coastal1 Credit Union Rates
12-Month CD2.85%
18-Month CD2.50%
24-Month CD2.75%
60-Month CD2.50%
Savings0.15%
MMA0.80%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
