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Coastline Federal 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 28, 2026
Coastline Federal Credit Union's Petite CD - 12 month rates are at 3.80%, Regular CDs - 12 month rates are at 3.75%, Petite CD - 18 month rates are at 3.70%, Petite CD - 24 month rates are at 3.70%, Regular CDs - 18 month rates are at 3.65%. Coastline Federal Credit Union's savings rates are at 0.25%. Coastline Federal Credit Union's money market rates are at 1.20%. Coastline Federal Credit Union's Home Refinance - 15-Year No Cash Out rates are at 6.90%, Home Refinance - 30-Year No Cash Out rates are at 7.47%. Coastline Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.89%. Coastline Federal Credit Union's Credit Card Rates are at 9.20%. Coastline Federal Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Coastline Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.18%. Rates last updated and verified on 10/28/2026.
Coastline Federal 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 Coastline Federal Credit Union? Share your experience about Coastline Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Coastline Federal Credit Union.
Coastline Federal 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
Coastline Federal 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
?
2.18%
ExcellentLower than avg
Coastline Federal Credit Union Texas Ratio
Coastline Federal Credit Union's Texas Ratio is 2.18%, which is considered excellent and is lower than the national average of 6.13%.
Coastline Federal 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.
0.95% to 2.18% 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.
Coastline Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Jumbo Share Certificates - 12 Month
3.78%
3.85%
12 month
Min Deposit$75,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Petite Share Certificate - 12 month
3.73%
3.80%
12 month
Min Deposit$40,000
DetailsPetite Share Certificates; Penalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
12 Month IRA Share Certificates
3.68%
3.75%
12 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
12 Month Youth Certificates - Sand Dollar Club
3.68%
3.75%
12 Month
Min Deposit$200
DetailsRequires parent/guardian; Penalty for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
12 Month Youth Certificates - Wave Riders Club
3.68%
3.75%
12 Month
Min Deposit$200
DetailsRequires parent/guardian; Penalty for early withdrawal
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Jumbo Share Certificates - 18 Month
3.68%
3.75%
18 month
Min Deposit$75,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Jumbo Share Certificates - 24 Month
3.68%
3.75%
24 month
Min Deposit$75,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 12 month
3.68%
3.75%
12 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Petite Share Certificate - 18 month
3.63%
3.70%
18 month
Min Deposit$40,000
DetailsPetite Share Certificates; Penalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Petite Share Certificate - 24 month
3.63%
3.70%
24 month
Min Deposit$40,000
DetailsPetite Share Certificates; Penalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
24 Month IRA Share Certificates
3.58%
3.65%
24 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 18 month
3.58%
3.65%
18 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 24 month
3.58%
3.65%
24 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Jumbo Share Certificates - 36 Month
3.54%
3.60%
36 month
Min Deposit$75,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Petite Share Certificate - 36 month
3.49%
3.55%
36 month
Min Deposit$40,000
DetailsPetite Share Certificates; Penalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
36 Month IRA Share Certificates
3.44%
3.50%
36 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 36 month
3.44%
3.50%
36 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 6 month
3.44%
3.50%
6 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Jumbo Share Certificates - 48 Month
3.29%
3.35%
48 month
Min Deposit$75,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Jumbo Share Certificates - 60 Month
3.29%
3.35%
60 month
Min Deposit$75,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Petite Share Certificate - 48 month
3.25%
3.30%
48 month
Min Deposit$40,000
DetailsPetite Share Certificates; Penalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Petite Share Certificate - 60 month
3.25%
3.30%
60 month
Min Deposit$40,000
DetailsPetite Share Certificates; Penalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
48 Month IRA Share Certificates
3.20%
3.25%
48 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
60 Month IRA Share Certificates
3.20%
3.25%
60 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 48 month
3.20%
3.25%
48 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 60 month
3.20%
3.25%
60 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Certificates - 3 month
2.96%
3.01%
3 month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/28/2026
Rate History
No change since Oct 15, 2026 · 3.01% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Share Savings
0.25%
0.25%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Roth IRA Share Savings
0.25%
0.25%
DetailsRoth IRA Savings Account
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Christmas Club Account
0.10%
0.10%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Custom Share Savings
0.10%
0.10%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Regular Share Savings
0.10%
0.10%
No additional details.
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Account
1.19%
1.20%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000-$149,999.99
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 1.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Money Market Account
1.19%
1.20%
Min Deposit$2,500
Min Balance$150,000
DetailsBalance: $150,000 and over
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 1.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Money Market Account
1.14%
1.15%
Min Deposit$2,500
Min Balance$40,000
DetailsBalance: $40,000-$74,999.99
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 1.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Money Market Account
1.09%
1.10%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000-$39,999.99
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Money Market Account
1.04%
1.05%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 1.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Money Market Account
0.95%
0.95%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500-$9,999.99
Last Updated10/28/2026
Rate History
No change since Oct 4, 2026 · 0.95% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Home Refinance - 15-Year No Cash Out
-
0.00%
6.899%
15-Year
DetailsUp to 80% LTV; Loan Amount $200,000; 760 Credit Score; Maximum Loan $832,750; Origination Fees 0.00%; Loan Fees $5,227.75; Payment $1,769.82; Rates effective as of 10/22/2026
Last Updated10/28/2026
Rate History
1 change since Oct 15, 2026 · 7.15% → 6.90% ▼ 0.25 pts · high 7.15% / low 6.90%
1 change since Oct 15, 2026 · 7.85% → 7.47% ▼ 0.38 pts · high 7.85% / low 7.47%
Oct 23, 20267.47%▼ from 7.85%
Oct 15, 20267.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit - 15-Year Term
7.00%
0.000
7.00%
15-Year
DetailsMaximum Amount $100,000; 730+ Credit Score; Rate: Prime + 0% (Adjustable Rate Program); Origination Fees: 0.00%; Loan Fees: $1,106.25; Payment if entire line is pulled at closing: $898.83; rate is tied to prime and can adjust without notice
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Vehicle Loan - 36 months
-
-
4.59%
36 months
DetailsFixed APR as low as; Model Year 2025 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New Vehicle Loan - 48 months
-
-
4.79%
48 months
DetailsFixed APR as low as; Model Year 2025 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 4.79% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New Vehicle Loan - 60 months
-
-
4.84%
60 months
DetailsFixed APR as low as; Model Year 2025 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 4.84% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New Vehicle Loan - 72 months
-
-
5.09%
72 months
DetailsFixed APR as low as; Model Year 2025 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.09% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Used Vehicle Loans
-
-
5.15%
36 months
DetailsAs Low As; Fixed APR; Model Year 2020 - 2024
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.15% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Used Vehicle Loans
-
-
5.24%
48 months
DetailsAs Low As; Fixed APR; Model Year 2020 - 2024
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Used Vehicle Loans
-
-
5.39%
60 months
DetailsAs Low As; Fixed APR; Model Year 2020 - 2024
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.39% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Used Vehicle Loans
-
-
5.54%
72 months
DetailsAs Low As; Fixed APR; Model Year 2020 - 2024
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.54% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New Vehicle Loan - 84 months
-
-
5.74%
84 months
DetailsFixed APR as low as; Model Year 2025 and newer
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 5.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Used Vehicle Loans
-
-
6.29%
84 months
DetailsAs Low As; Fixed APR; Model Year 2020 - 2024
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.29% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Older Model Auto Loan - 36 months
-
-
7.15%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and older; Subject to individual credit worthiness and other qualifications
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Older Model Auto Loan - 48 months
-
-
7.24%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and older; Subject to individual credit worthiness and other qualifications
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Older Model Auto Loan - 60 months
-
-
7.39%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and older; Subject to individual credit worthiness and other qualifications
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 7.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New and Used Boat Loans
-
5.85%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.85% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
5.85%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 5.85% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Motorcycle Loans
-
6.04%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.04% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Motorcycle Loans
-
6.24%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
6.55%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.55% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
6.60%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.60% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Motorcycle Loans
-
6.74%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
6.85%
72 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.85% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
6.85%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.85% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
-
6.89%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.89% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Motorcycle Loans
-
6.90%
72 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
6.99%
84 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
-
6.99%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Motorcycle Loans
-
7.00%
84 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
7.10%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.10% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
-
7.25%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
7.30%
96 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.30% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
7.30%
72 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.30% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
7.45%
108 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.45% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used RV / Motor Home Loans
-
7.45%
120 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.45% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
7.60%
84 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.60% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
7.65%
120 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.65% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
-
7.69%
72 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.69% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
7.85%
96 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.85% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Boat Loans
-
7.99%
180 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used RV / Motor Home Loans
-
8.35%
180 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.35% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
8.35%
108 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.35% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Travel Trailer / Fifth Wheel Loan
-
8.85%
120 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.85% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Classic Credit Card
-
9.20%
DetailsAs Low As; Rates (APR) as low as; APR = Annual Percentage Rate. Subject to individual credit worthiness.
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 8.95% → 9.20% ▲ 0.25 pts · high 9.20% / low 8.95%
Sep 25, 20269.20%▲ from 8.95%
Sep 16, 20268.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Visa Rewards Credit Card
-
12.40%
DetailsAs Low As; Rates (APR) as low as; APR = Annual Percentage Rate. Subject to individual credit worthiness.
Last Updated10/28/2026
Rate History
1 change since Sep 16, 2026 · 12.15% → 12.40% ▲ 0.25 pts · high 12.40% / low 12.15%
Sep 25, 202612.40%▲ from 12.15%
Sep 16, 202612.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
New and Used Personal Watercraft Loan
6.89%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.89% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
6.99%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
7.25%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Personal Watercraft Loan
7.69%
72 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.69% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Personal Loan
10.00%
36 months
DetailsAs Low As; Fixed APR as low as
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 10.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Personal Loan
10.70%
48 months
DetailsAs Low As; Fixed APR as low as
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 10.70% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Personal Loan
10.95%
60 months
DetailsAs Low As; Fixed APR as low as
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 10.95% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Coastline Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
-
-
11.99%
DetailsAs Low As; Fixed APR as low as; Term: Varies
Last Updated10/28/2026
Rate History
No change since Sep 25, 2026 · 11.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Camping Trailer Loans (18ft Max)
-
-
7.65%
36 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.65% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Camping Trailer Loans (18ft Max)
-
-
7.90%
48 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 7.90% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
New and Used Camping Trailer Loans (18ft Max)
-
-
8.15%
60 months
DetailsAs Low As; Fixed APR; Model Year 2019 and newer
Last Updated10/28/2026
Rate History
No change since Sep 16, 2026 · 8.15% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Rental Home Purchase Loan
8.00%
0.00%
8.214%
30 years
DetailsExample 25% Down; Loan Amount $200,000; 760 Credit Score; Maximum Loan $832,750; Origination Fees 1.00%; Loan Fees $7,794.75; Payment $1,467.53; Loan rates effective as of 10/22/2026
Last Updated10/28/2026
Rate History
No change since Oct 23, 2026 · 8.21% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.18%
Financial Health History
Coastline Federal Credit Union’s Texas Ratio rose from 0.95% in Q3 2023 to 2.18% 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
$136M
2.18%
5.0
A+
March 31, 2026
$137M
1.21%
5.0
A+
December 31, 2025
$131M
2.03%
5.0
A+
September 30, 2025
$130M
2.40%
5.0
A+
June 30, 2025
$132M
1.46%
5.0
A+
March 31, 2025
$134M
0.84%
5.0
A+
December 31, 2024
$131M
1.83%
5.0
A+
September 30, 2024
$135M
1.56%
5.0
A+
June 30, 2024
$137M
1.61%
5.0
A+
March 31, 2024
$136M
1.42%
5.0
A+
December 31, 2023
$135M
2.98%
5.0
A+
September 30, 2023
$138M
0.95%
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 Coastline Federal 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 Coastline Federal 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 Coastline Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,253,785
Total Uninsured Shares and Deposits > $250K (F+J)
4,253,785
Total Insured Shares and Deposits > $250K (item 17 less item K)
116,430,152
Total Interest Expense (Sum of items 6 8)
515,339
Share Certificates
421
Number of Accounts for Share Drafts
5,424
IRA KEOGH Accounts
198
Number of Accounts for Regular Shares
11,939
Non Member Deposits
11
Money Market Shares
269
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)
6,639,043
Total Liabilities
122,837,212
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Coastline Federal 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
There are no reviews for Coastline Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Coastline Federal Credit Union
Frequently Asked Questions About Coastline Federal Credit Union
Does Coastline Federal Credit Union offer CDs?
Yes. Coastline Federal Credit Union current CD rates include its Petite CD - 12 month at 3.80% APY, its Regular CDs - 12 month at 3.75% APY and its Petite CD - 18 month at 3.70% APY, verified by MonitorBankRates as of October 28, 2026.
Are CDs from Coastline Federal Credit Union NCUA insured?
Yes. Coastline Federal 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 Coastline Federal Credit Union?
The highest Coastline Federal Credit Union CD rate is its Jumbo CDs - 12 Month at 3.85% APY, verified by MonitorBankRates as of October 28, 2026.
What CD terms does Coastline Federal Credit Union offer?
Coastline Federal Credit Union CD rates are 3.80% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.70% APY for a 2 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Coastline Federal Credit Union for its full lineup.
What is the highest savings rate at Coastline Federal Credit Union?
The highest Coastline Federal Credit Union savings rate is its IRA Savings at 0.25% APY, verified by MonitorBankRates as of October 28, 2026.
What is the highest money market rate at Coastline Federal Credit Union?
The highest Coastline Federal Credit Union money market rate is its Money Market Account at 1.20% APY, verified by MonitorBankRates as of October 28, 2026.
What is the lowest mortgage rate at Coastline Federal Credit Union?
The lowest Coastline Federal Credit Union mortgage rate is its Home Refinance - 15-Year No Cash Out at 6.899% APR, verified by MonitorBankRates as of October 28, 2026. Coastline Federal Credit Union mortgage rates are 7.472% APR for a 30 year mortgage and 6.899% APR for a 15 year mortgage.
What is the lowest auto loan rate at Coastline Federal Credit Union?
The lowest Coastline Federal Credit Union auto loan rate is its New Vehicle Loan - 36 months at 4.59% APR, verified by MonitorBankRates as of October 28, 2026. Coastline Federal Credit Union auto loan rates are 4.59% APR for a 36 month auto loan, 4.79% APR for a 48 month auto loan, 4.84% APR for a 60 month auto loan, 5.09% APR for a 72 month auto loan and 5.74% APR for an 84 month auto loan.
What is the lowest personal loan rate at Coastline Federal Credit Union?
The lowest Coastline Federal Credit Union personal loan rate is its New and Used Personal Watercraft Loan at 6.89% APR, verified by MonitorBankRates as of October 28, 2026.
What is the lowest credit card APR at Coastline Federal Credit Union?
The lowest Coastline Federal Credit Union credit card APR is its Visa Classic Credit Card at 9.20% APR, verified by MonitorBankRates as of October 28, 2026.
How many branches does Coastline Federal Credit Union operate?
Coastline Federal 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 Coastline Federal Credit Union?
Yes, to access services at Coastline Federal 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, Coastline Federal 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, Coastline Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Coastline Federal Credit Union offer online and mobile banking?
Most modern institutions like Coastline Federal 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://coastlinefcu.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 Coastline Federal Credit Union rates compare?
Coastline Federal Credit Union's CD rates are 25% higher than the MonitorBankRates national average, and it has an A+ health rating. Coastline Federal Credit Union's top rates are its Jumbo CDs - 12 Month at 3.85% APY, its IRA Savings at 0.25% APY, its Money Market Account at 1.20% APY, its Home Refinance - 15-Year No Cash Out at 6.899%, its New and Used Personal Watercraft Loan at 6.89% APR and its Visa Classic Credit Card at 9.20% APR, verified by MonitorBankRates on October 28, 2026.
Current Coastline Federal Credit Union Rates
12-Month CD3.75%
18-Month CD3.65%
24-Month CD3.65%
60-Month CD3.25%
Savings0.25%
MMA1.20%
Retrieved from our database of financial products. Rates subject to change.