Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Coastal1 Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Coastal1 Credit Union's 13 Month CD rates are at 4.25%, IRA CD Of Deposit - 13 month rates are at 4.25%, 5 Month CD rates are at 4.00%, 9 month bump up rates are at 4.00%, IRA CD Of Deposit - 5 month rates are at 4.00%. Coastal1 Credit Union's savings rates are at 0.10%. Coastal1 Credit Union's money market rates are at 0.80%. Coastal1 Credit Union's 10/1 Adjustable Rate Jumbo Mortgage rates are at 6.38%, 10/1 Adjustable Rate Mortgage rates are at 6.38%, 5/5 Adjustable Rate Mortgage rates are at 6.12%, 5/5 Adjustable Rate Mortgage rates are at 6.00%, 20 yr Adjustable Rate Mortgage rates are at 6.88%. Coastal1 Credit Union's Auto Loan Rates are as low as 6.09%. 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 1.35%. Rates last updated and verified on 09/22/2026. 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 CD Rates
Coastal1 Credit Union Savings Rates
Coastal1 Credit Union 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 Other Rates
Financial Health HistoryCoastal1 Credit Union’s Texas Ratio stayed near 1.37% in Q2 2023 to 1.35% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 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
275
Part-Time Employees
6
Branch Locations
19
ATM Locations
19
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.35%
Return on Assets (ROA)
0.1195%
Return on Equity (ROE)
1.1442%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
3,471,375,885
Total Amount of Shares and Deposits
2,716,368,694
Total Shares and Deposits < 1 Year
2,597,224,679
Total Shares and Deposits 1 3 Years
110,099,123
Total Shares and Deposits > 3 Years
9,044,892
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
218,501,196
Total Uninsured Shares and Deposits > $250K (F+J)
218,501,196
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,497,867,498
Total Interest Expense (Sum of items 6 8)
20,561,986
Share Certificates
22,017
Number of Accounts for Share Drafts
43,545
IRA KEOGH Accounts
5,407
Number of Accounts for Regular Shares
151,463
All other shares
5,086
Non Member Deposits
3
Money Market Shares
8,512
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)
232,264,042
Total Liabilities
3,120,145,841
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Coastal1 Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Coastal1 Credit Union
Frequently Asked Questions About Coastal1 Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Maine Savings Federal Credit Union
Southwest Communities Federal Credit Union
Beacon Credit Union
Municipal Employees Credit Union of Balt
Inner Lakes Federal Credit Union
Northern Colorado Credit Union
Italo American Credit Union
Educational and Governmental Federal Credit Union
Special Metals FCU
Santa Barbara County Federal Credit Union
CFLA Credit Union
Community Credit Union New Rockford, ND
Redlands City Employees Federal Credit Union
Union Square Credit Union
Delta Federal Credit Union
Comanche County Federal Credit Union
PUBLIC SERVICE ED TRENTON
Hartford Firefighters Federal Credit Union
North Memorial Federal Credit Union
Pinellas Federal Credit Union
Arapahoe Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking