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 Michigan Coastal Credit Union Rates & Review November 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: October 29, 2026
Michigan Coastal Credit Union's 48 MO GOLDEN CD rates are at 3.55%, 60 MO GOLDEN CD rates are at 3.55%, 24 MONTH GOLDEN CD rates are at 3.50%, 36 MO GOLDEN CD rates are at 3.50%, 12 MONTH GOLDEN CD rates are at 3.40%. Michigan Coastal Credit Union's savings rates are at 0.05%. Michigan Coastal Credit Union's money market rates are at 1.65%. Michigan Coastal Credit Union's checking rates are as high as 7.00%. Michigan Coastal Credit Union's Personal Loan Rates are as low as 11.00%. Michigan Coastal Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has a D health rating. MonitorBankRates evaluates the financial stability of Michigan Coastal Credit Union with a 3.6 Star Rating, an D Overall Health Grade, and a Texas Ratio of 32.10%. Rates last updated and verified on 10/29/2026. Michigan Coastal 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 Michigan Coastal Credit Union? Share your experience about Michigan Coastal Credit Union by leaving a review below, or read customer reviews before you decide to use Michigan Coastal Credit Union. Michigan Coastal Credit Union
Michigan Coastal Credit Union 1086 Creston St
https://www.michigancoastal.com Muskegon, MI 49442  Customer Reviews
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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. Michigan Coastal Credit Union CD Rates
Michigan Coastal Credit Union Savings Rates
Michigan Coastal Credit Union Money Market Rates
Michigan Coastal Credit Union Checking Rates
Michigan Coastal Credit Union Auto Loan Rates
Michigan Coastal Credit Union RV, Boat and Powersport Loan Rates
Michigan Coastal Credit Union Personal Loan Rates
Financial Health HistoryMichigan Coastal Credit Union’s Texas Ratio rose from 11.28% in Q3 2023 to 32.10% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.6 and its Health Grade from A to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 Michigan Coastal 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 Michigan Coastal 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 Michigan Coastal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Michigan Coastal Credit Union
Website
https://www.michigancoastal.com
Address
1086 Creston St,
Muskegon, MI 49442
Phone
231-777-3620
Fax
231-777-3727
President
Wayne Ferrier
CEO
Rob Viland
Full-Time Employees
7
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.6 / 5.0 ★
Overall Health & Safety Grade
D (70/100)
Texas Ratio
32.10%
Return on Assets (ROA)
0.3865%
Return on Equity (ROE)
4.4608%
Non-Performing Loans Ratio (NPL)
4.04%
Total Assets
25,739,847
Total Amount of Shares and Deposits
23,390,503
Total Shares and Deposits < 1 Year
21,069,593
Total Shares and Deposits 1 3 Years
1,563,529
Total Shares and Deposits > 3 Years
757,381
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
332,012
Total Uninsured Shares and Deposits > $250K (F+J)
1,186,676
Total Insured Shares and Deposits > $250K (item 17 less item K)
22,203,827
Total Interest Expense (Sum of items 6 8)
209,104
Share Certificates
178
Number of Accounts for Share Drafts
1,444
IRA KEOGH Accounts
21
Number of Accounts for Regular Shares
3,276
Non Member Deposits
9
Money Market Shares
142
Net Income (unless the amount is already included in Undivided Earnings)
99,477
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)
3,059,538
Total Liabilities
23,509,827
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Michigan Coastal Credit Union
Frequently Asked Questions About Michigan Coastal Credit UnionDoes Michigan Coastal Credit Union offer CDs?Yes. Michigan Coastal Credit Union current CD rates include its 48 MO GOLDEN CD at 3.55% APY, its 60 MO GOLDEN CD at 3.55% APY and its 24 MONTH GOLDEN CD at 3.50% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Michigan Coastal Credit Union NCUA insured?Yes. Michigan Coastal 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 Michigan Coastal Credit Union?The highest Michigan Coastal Credit Union CD rate is its 13 Month CD Special at 4.30% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Michigan Coastal Credit Union offer?Michigan Coastal Credit Union CD rates are 3.40% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.55% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Michigan Coastal Credit Union for its full lineup. What is the highest savings rate at Michigan Coastal Credit Union?The highest Michigan Coastal Credit Union savings rate is its YOUTH SAVINGS ACCT at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Michigan Coastal Credit Union?The highest Michigan Coastal Credit Union money market rate is its MONEY MARKET at 1.65% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Michigan Coastal Credit Union?The lowest Michigan Coastal Credit Union auto loan rate is its New Vehicle/Motorcycle Loan at 6.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Michigan Coastal Credit Union?The lowest Michigan Coastal Credit Union personal loan rate is its Signature Loan at 11.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Michigan Coastal Credit Union operate?Michigan Coastal 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 Michigan Coastal Credit Union?Yes, to access services at Michigan Coastal 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, Michigan Coastal 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, Michigan Coastal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Michigan Coastal Credit Union offer online and mobile banking?Most modern institutions like Michigan Coastal 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.michigancoastal.com. 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 Michigan Coastal Credit Union rates compare?Michigan Coastal Credit Union's CD rates are 21% higher than the MonitorBankRates national average, and it has a D health rating. Michigan Coastal Credit Union's top rates are its 13 Month CD Special at 4.30% APY, its YOUTH SAVINGS ACCT at 0.05% APY, its MONEY MARKET at 1.65% APY, its HIGH INTEREST CHECKING at 7.00% APY and its Signature Loan at 11.00% APR, verified by MonitorBankRates on October 29, 2026. Current Michigan Coastal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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