What are the current interest rates at Coastal1 Credit Union?

Current rates for Coastal1 Credit Union include: 12-Month CD: 2.85%, 18-Month CD: 2.50%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.15%, MMA: 0.80%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Coastal1 Credit Union

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Coastal1 Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Coastal1 Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 13 month CD Of Deposit, 0.15% APY on savings, 0.80% APY on money market accounts, 3.25% APY on checking, 6.62% on its 10 yr Loan mortgage, and personal loans from 10.49% APR, according to rates verified by MonitorBankRates. Other Coastal1 Credit Union CD rates include IRA CD Of Deposit - 13 month at 4.25%, 5 month CD Of Deposit at 4.00%, and 9 month bump up CD Of Deposit at 4.00%. Other Coastal1 Credit Union mortgage rates include Mortgage - 15 yr Loan at 6.88%, 10/1 Loan at 6.88%, and 10/1 Loan at 6.75%. 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 10/09/2026.

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.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.68%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Coastal1 Credit Union
Main Office

1200 Central Ave
Pawtucket, RI 02861-2200

https://www.coastal1.org

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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.

Coastal1 Credit Union CD Rates

Product	Rate	APY	Term
13 month Certificate Of Deposit	-	4.25%	13 month
Min Deposit $1,000 Min Balance $1,000 Details NEW MONEY ONLY* Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 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 Details NEW MONEY ONLY Last Updated 10/09/2026 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%
5 month Certificate Of Deposit	-	4.00%	5 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
9 month bump up Certificate Of Deposit	-	4.00%	9 month
Min Deposit $1,000 Min Balance $1,000 Details NEW MONEY ONLY Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times 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 Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 9 month bump up	-	4.00%	9 month
Min Deposit $500 Min Balance $500 Details NEW MONEY ONLY Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
4 month Certificate Of Deposit	-	3.75%	4 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
22 month bump-up Certificate Of Deposit	-	3.50%	22 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
17 month Certificate Of Deposit	-	3.40%	17 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 17 month	-	3.40%	17 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
30 month bump-up Certificate Of Deposit	-	3.20%	30 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 30 month bump-up	-	3.20%	30 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
24 month Certificate Of Deposit	-	3.00%	24 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
36 month Certificate Of Deposit	-	3.00%	36 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
48 month Certificate Of Deposit	-	3.00%	48 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
60 month Certificate Of Deposit	-	3.00%	60 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
9 month Certificate Of Deposit	-	3.00%	9 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 24 month	-	3.00%	24 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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: 1.68%
IRA Certificate Of Deposit - 36 month	-	3.00%	36 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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: 1.68%
IRA Certificate Of Deposit - 48 month	-	3.00%	48 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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: 1.68%
IRA Certificate Of Deposit - 60 month	-	3.00%	60 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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: 1.68%
IRA Certificate Of Deposit - 9 month	-	3.00%	9 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 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: 1.68%
12 month Certificate Of Deposit	-	2.85%	12 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.85% APY · checked 2 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
6 month Certificate Of Deposit	-	2.80%	6 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.80% APY · checked 2 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
3 month Certificate Of Deposit	-	2.75%	3 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.75% APY · checked 2 times 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
18 month Certificate Of Deposit	-	2.50%	18 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.50% APY · checked 2 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Coastal1 Credit Union Business Savings Rates

Product	Rate	APY
Business High Yield Savings	-	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 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 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 7 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 Details Balance: $25 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 6 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 Details Balance: $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Coastal1 Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	0.80%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 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 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 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 Details Balance: $10,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 7 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 Details Balance: $25 to $2,499.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.80% APY · checked 6 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%	3.25%
Min Balance $0 Details Qualifications Required: receive your account statement electronically via Online Banking; make at least 6 debit card point-of-sale transactions (must post and settle); have at least one external ACH credit or debit transaction (must post and settle); Balances over $20,000 earn an interest rate of 3.25% on the first $20,000, and then an interest rate of 0.35% on any funds over $20,000, resulting in an APY of 3.25% to 0.94% APY depending on total balance. Monthly statement cycle eligibility requirements: 1) receive your account statement electronically via Online Banking; 2) make at least 6 debit card point-of-sale transactions (must post and settle); 3) have at least one external ACH credit or debit transaction (must post and settle). Monthly service charge of $25 if account conditions are not met. If eligibility conditions are not met for three (3) consecutive months, account will revert to Simple Checking. Limit one Advantage Checking per member. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Coastal1 Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10 yr Loan	6.625%	0 points	6.671%	10 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.55% → 6.67% ▲ 0.13 pts · high 6.67% / low 6.55% Oct 9, 20266.67%▲ from 6.55% Oct 5, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Mortgage - 15 yr Loan	6.875%	0 points	6.908%	15 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.75% → 6.91% ▲ 0.16 pts · high 6.91% / low 6.75% Oct 9, 20266.91%▲ from 6.75% Oct 5, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
10/1 Loan	6.875%	0 points	6.977%	10/1
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.54% → 6.98% ▲ 0.44 pts · high 6.98% / low 6.54% Oct 9, 20266.98%▲ from 6.92% Oct 5, 20266.92%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
10/1 Loan	6.75%	0 points	7.04%	10/1
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54% Oct 9, 20267.04%▲ from 6.92% Oct 5, 20266.92%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Mortgage - 20 yr Loan	7.125%	0 points	7.152%	20 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.03% → 7.15% ▲ 0.13 pts · high 7.15% / low 7.03% Oct 9, 20267.15%▲ from 7.03% Oct 5, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Mortgage - 30 yr Loan	7.375%	0 points	7.396%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.27% → 7.40% ▲ 0.13 pts · high 7.40% / low 7.27% Oct 9, 20267.40%▲ from 7.27% Oct 5, 20267.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Mortgage - 20 yr Loan	7.25%	0 points	7.472%	20 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.35% → 7.47% ▲ 0.13 pts · high 7.47% / low 7.35% Oct 9, 20267.47%▲ from 7.35% Oct 5, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5/1 Loan	7.625%	0 points	7.783%	5/1
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.31% → 7.78% ▲ 0.48 pts · high 7.78% / low 7.31% Oct 9, 20267.78%▲ from 7.66% Oct 5, 20267.66%▲ from 7.31% Sep 14, 20267.31%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
Home Equity	5.99%	-	5.99%	15 Year Draw Period
Details Introductory rate for first 12 months, then 6.50% (Prime Rate minus 0.50%) (Prime Rate equal to 7.00% APR as of 10/9/2026) Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.99% → 5.99% ▼ 0.00 pts · high 6.50% / low 5.99% Oct 9, 20265.99%▼ from 6.50% Sep 22, 20266.50%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Home Equity Spectrum Home Loan - HELOC	-	-	7.75%	15 year
Details Term: 15 year draw period; 10 year repayment; Prime Rate plus 0.75%***** (Prime Rate equal to 7.00% APR as of 10/9/2026) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Coastal1 Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Autos - 2025-2026	-	-	6.09%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Autos	-	-	6.09%
Details As low as; Model Year: 2023-2025 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Autos	-	-	6.39%
Details As low as; Model Year: 2020-2022 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Autos	-	-	7.39%
Details As low as; Model Year: 2017-2019 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Used Autos	-	-	8.09%
Details As low as; Model Year: 2014-2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.09% APR · checked 3 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
Motorcycles - New Loan	-	7.39%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 8 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 Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Motorcycles - New (< 10% down payment) Loan	-	8.39%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.39% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Motorcycles - Used (< 20% down payment) Loan	-	8.99%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 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
Personal/Consolidation Loans	10.49%	48 months
Details Loan amounts up to $10,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Personal/Consolidation Loans	10.99%	60 months
Details Loan amounts $10,001 - $15,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

Coastal1 Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1/1 Loan	7.375%	0 points	7.521%	1/1
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.03% → 7.52% ▲ 0.49 pts · high 7.52% / low 7.03% Oct 9, 20267.52%▲ from 7.50% Oct 5, 20267.50%▲ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5/5 Loan	6.125%	0 points	7.181%	5/5
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.66% → 7.18% ▲ 0.52 pts · high 7.18% / low 6.66% Oct 9, 20267.18%▲ from 7.06% Oct 5, 20267.06%▲ from 6.66% Sep 14, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
5/5 Loan	6.625%	0 points	7.236%	5/5
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.66% → 7.24% ▲ 0.57 pts · high 7.24% / low 6.66% Oct 9, 20267.24%▲ from 7.06% Oct 5, 20267.06%▲ from 6.66% Sep 14, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Mortgage - 1-10 yrs Loan	6.75%	0 points	7.132%	1-10 years
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.01% → 7.13% ▲ 0.13 pts · high 7.13% / low 7.01% Oct 9, 20267.13%▲ from 7.01% Oct 5, 20267.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Mortgage - 11-15 yrs Loan	6.875%	0 points	7.148%	11-15 years
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 7.02% → 7.15% ▲ 0.13 pts · high 7.15% / low 7.02% Oct 9, 20267.15%▲ from 7.02% Oct 5, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
New & Used (< 20% down payment) Loan	-	-	8.99%	60 months
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
New & Used Loan	-	-	7.99%	60 months
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan	-	-	7.375%	12 years
Details Rate: 7.375% APR** Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00% Oct 9, 20267.38%▲ from 7.25% Sep 26, 20267.25%▲ 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	-	-	7.625%	17 years
Details Rate: 7.625% APR** Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.25% → 7.63% ▲ 0.38 pts · high 7.63% / low 7.25% Oct 9, 20267.63%▲ from 7.50% Sep 26, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan	-	-	6.875%	5 years
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 9, 20266.88%▲ from 6.75% Sep 26, 20266.75%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan	-	-	7.125%	10 years
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88% Oct 9, 20267.13%▲ from 7.00% Sep 26, 20267.00%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan	-	-	7.375%	15 years
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.13% → 7.38% ▲ 0.25 pts · high 7.38% / low 7.13% Oct 9, 20267.38%▲ from 7.25% Sep 26, 20267.25%▲ from 7.13% Sep 14, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan	-	-	7.625%	20 years
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38% Oct 9, 20267.63%▲ from 7.50% Sep 26, 20267.50%▲ from 7.38% Sep 14, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan - Fixed Rate	-	-	8.125%	5 years
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 8.00% → 8.13% ▲ 0.13 pts · high 8.13% / low 8.00% Oct 9, 20268.13%▲ from 8.00% Oct 5, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan - Fixed Rate	-	-	8.375%	10 years
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 8.25% → 8.38% ▲ 0.13 pts · high 8.38% / low 8.25% Oct 9, 20268.38%▲ from 8.25% Oct 5, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan - Fixed Rate	-	-	8.625%	15 years
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 8.75% → 8.63% ▼ 0.13 pts · high 8.75% / low 8.63% Oct 9, 20268.63%▼ from 8.75% Oct 5, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%
Spectrum Home Loan - Fixed Rate	-	-	8.875%	20 years
Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 8.63% → 8.88% ▲ 0.25 pts · high 8.88% / low 8.63% Oct 9, 20268.88%▲ from 8.63% Oct 5, 20268.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.68%

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

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.

Credit Union Profile & Overview

Credit Union Name Coastal1 Credit Union

Website https://www.coastal1.org

Address 1200 Central Ave, Pawtucket, RI 02861-2200

Phone 401-722-2212

Fax 401-729-4032

President Lynn Weinstein

CEO Brian Azar

Full-Time Employees 281

Part-Time Employees 7

Branch Locations 19

ATM Locations 19

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

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

Q2 2026 MBR Health & Safety Badge

Coastal1 Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Coastal1 Credit Union

Frequently Asked Questions About Coastal1 Credit Union

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.

Current Coastal1 Credit Union Rates

12-Month CD2.85%
18-Month CD2.50%
24-Month CD3.00%
60-Month CD3.00%
Savings0.15%
MMA0.80%

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

Compare to Other Credit Unions

Coastal1 Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Coastal1 Credit Union Texas Ratio

Coastal1 Credit Union Health Trend

Coastal1 Credit Union CD Rates

Coastal1 Credit Union Business Savings Rates

Coastal1 Credit Union Business Money Market Rates

Coastal1 Credit Union Checking Rates

Coastal1 Credit Union Mortgage Rates

Coastal1 Credit Union Home Equity & HELOC

Coastal1 Credit Union Auto Loan Rates

Coastal1 Credit Union RV, Boat and Powersport Loan Rates

Coastal1 Credit Union Personal Loan Rates

Coastal1 Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Coastal1 Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Coastal1 Credit Union

How many branches does Coastal1 Credit Union operate?

Is a member application needed to join Coastal1 Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Coastal1 Credit Union offer online and mobile banking?

Current Coastal1 Credit Union Rates

Compare to Other Credit Unions