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Coastal Community Federal Credit Union

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Coastal Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coastal Community Federal 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 13, 2026

Coastal Community Federal Credit Union's top rates as of October 13, 2026 are personal loans from 8.13% APR, and credit cards from 13.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Coastal Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.25%. Rates last updated and verified on 10/13/2026.

Coastal Community 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 Coastal Community Federal Credit Union? Share your experience about Coastal Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Coastal Community Federal Credit Union.

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

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.25%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Coastal Community Federal Credit Union
Main Office

2302 Church St
Galveston, TX 77550

https://www.coastalcommunityfcu.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.

Coastal Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans	-	-	3.22%	0-36 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.01% → 3.22% ▲ 0.21 pts · high 3.26% / low 3.01% Sep 25, 20263.22%▼ from 3.26% Sep 17, 20263.26%▲ from 3.01% Sep 14, 20263.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	3.47%	0-36 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.01% → 3.47% ▲ 0.46 pts · high 3.47% / low 3.01% Sep 25, 20263.47%▲ from 3.26% Sep 17, 20263.26%▲ from 3.01% Sep 14, 20263.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	3.47%	37-48 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 3.26% → 3.47% ▲ 0.21 pts · high 3.47% / low 3.26% Sep 25, 20263.47%▲ from 3.26% Sep 17, 20263.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	3.97%	0-36 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 3.01% → 3.97% ▲ 0.96 pts · high 4.06% / low 3.01% Sep 25, 20263.97%▼ from 4.06% Sep 18, 20264.06%▲ from 3.76% Sep 17, 20263.76%▲ from 3.01% Sep 14, 20263.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	3.97%	37-48 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 4.06% / low 3.76% Sep 25, 20263.97%▼ from 4.06% Sep 18, 20264.06%▲ from 3.76% Sep 17, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	3.97%	49-60 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.06% → 3.97% ▼ 0.09 pts · high 4.06% / low 3.97% Sep 25, 20263.97%▼ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.27%	0-36 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.01% → 4.27% ▲ 1.26 pts · high 4.27% / low 3.01% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%▲ from 3.01% Sep 14, 20263.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.27%	37-48 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.27%	49-60 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.27%	61-75 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06% Sep 25, 20264.27%▲ from 4.06% Sep 17, 20264.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.97%	37-48 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.76% → 4.97% ▲ 0.21 pts · high 4.97% / low 4.76% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.97%	49-60 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.76% → 4.97% ▲ 0.21 pts · high 4.97% / low 4.76% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.97%	61-75 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.76% → 4.97% ▲ 0.21 pts · high 4.97% / low 4.76% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	4.97%	76-84 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.76% → 4.97% ▼ 1.79 pts · high 6.76% / low 4.76% Sep 25, 20264.97%▲ from 4.76% Sep 17, 20264.76%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	6.47%	49-60 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.26% → 6.47% ▲ 0.21 pts · high 6.47% / low 6.26% Sep 25, 20266.47%▲ from 6.26% Sep 17, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	6.47%	61-75 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 6.26% → 6.47% ▲ 0.21 pts · high 6.51% / low 6.26% Sep 25, 20266.47%▼ from 6.51% Sep 18, 20266.51%▲ from 6.26% Sep 17, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	6.47%	76-84 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.76% → 6.47% ▼ 0.29 pts · high 6.76% / low 6.26% Sep 25, 20266.47%▼ from 6.51% Sep 18, 20266.51%▲ from 6.26% Sep 17, 20266.26%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	6.72%	61-75 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.51% → 6.72% ▲ 0.21 pts · high 6.72% / low 6.51% Sep 25, 20266.72%▲ from 6.51% Sep 17, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	6.72%	76-84 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.76% → 6.72% ▼ 0.04 pts · high 6.76% / low 6.51% Sep 25, 20266.72%▼ from 6.76% Sep 18, 20266.76%▲ from 6.51% Sep 17, 20266.51%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	6.97%	76-84 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.76% → 6.97% ▲ 0.21 pts · high 6.97% / low 6.76% Sep 25, 20266.97%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	12.96%	0-36 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.76% → 12.96% ▲ 0.20 pts · high 12.96% / low 12.76% Sep 25, 202612.96%▲ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	14.07%	0-36 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.76% → 14.07% ▲ 1.31 pts · high 14.07% / low 12.76% Sep 25, 202614.07%▲ from 13.86% Sep 17, 202613.86%▲ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	14.07%	37-48 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 2 changes since Sep 17, 2026 · 13.86% → 14.07% ▲ 0.21 pts · high 14.16% / low 13.86% Sep 25, 202614.07%▼ from 14.16% Sep 18, 202614.16%▲ from 13.86% Sep 17, 202613.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	14.37%	37-48 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 14.16% → 14.37% ▲ 0.21 pts · high 14.37% / low 14.16% Sep 25, 202614.37%▲ from 14.16% Sep 17, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	14.37%	49-60 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 14.16% → 14.37% ▲ 0.21 pts · high 14.37% / low 14.16% Sep 25, 202614.37%▲ from 14.16% Sep 17, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	14.97%	49-60 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 14.76% → 14.97% ▲ 0.21 pts · high 14.97% / low 14.76% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	14.97%	61-75 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 14.76% → 14.97% ▲ 0.21 pts · high 14.97% / low 14.76% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	15.47%	61-75 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 15.26% → 15.47% ▲ 0.21 pts · high 15.47% / low 15.26% Sep 25, 202615.47%▲ from 15.26% Sep 17, 202615.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	15.47%	76-84 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 15.76% → 15.47% ▼ 0.29 pts · high 15.76% / low 15.26% Sep 25, 202615.47%▲ from 15.26% Sep 17, 202615.26%▼ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Vehicle Loans	-	-	15.97%	76-84 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.76% → 15.97% ▲ 0.21 pts · high 15.97% / low 15.76% Sep 25, 202615.97%▲ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and Used Boat Loans	-	5.12%	0-72 Months
Details A+ Credit* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.01% → 5.12% ▲ 0.11 pts · high 5.12% / low 5.01% Sep 25, 20265.12%▲ from 5.01% Sep 14, 20265.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	5.22%	0-72 Months
Details A Credit* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.26% → 5.22% ▼ 0.04 pts · high 5.26% / low 5.22% Sep 25, 20265.22%▼ from 5.26% Sep 14, 20265.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	5.47%	0-72 Months
Details B Credit* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.51% → 5.47% ▼ 0.04 pts · high 5.51% / low 5.47% Sep 25, 20265.47%▼ from 5.51% Sep 14, 20265.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	5.72%	0-72 Months
Details C Credit* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.76% → 5.72% ▼ 0.04 pts · high 5.76% / low 5.72% Sep 25, 20265.72%▼ from 5.76% Sep 14, 20265.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	5.97%	0-36 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.76% → 5.97% ▼ 6.79 pts · high 12.76% / low 5.97% Sep 25, 20265.97%▼ from 6.11% Sep 18, 20266.11%▼ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	5.97%	37-48 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.11% → 5.97% ▼ 0.14 pts · high 6.11% / low 5.97% Sep 25, 20265.97%▼ from 6.11% Sep 18, 20266.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	5.97%	0-72 Months
Details D Credit* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.76% → 5.97% ▲ 0.21 pts · high 5.97% / low 5.76% Sep 25, 20265.97%▲ from 5.76% Sep 14, 20265.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.32%	0-36 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.76% → 6.32% ▼ 6.44 pts · high 12.76% / low 6.26% Sep 25, 20266.32%▲ from 6.26% Sep 18, 20266.26%▼ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.32%	37-48 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.26% → 6.32% ▲ 0.06 pts · high 6.32% / low 6.26% Sep 25, 20266.32%▲ from 6.26% Sep 18, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.32%	49-60 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.76% → 6.32% ▼ 0.44 pts · high 6.76% / low 6.26% Sep 25, 20266.32%▲ from 6.26% Sep 18, 20266.26%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.47%	0-36 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.76% → 6.47% ▼ 6.29 pts · high 12.76% / low 6.26% Sep 25, 20266.47%▲ from 6.26% Sep 18, 20266.26%▼ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.47%	37-48 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.51% → 6.47% ▼ 0.04 pts · high 6.51% / low 6.47% Sep 25, 20266.47%▼ from 6.51% Sep 18, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.47%	49-60 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.76% → 6.47% ▼ 0.29 pts · high 6.76% / low 6.47% Sep 25, 20266.47%▼ from 6.51% Sep 18, 20266.51%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.72%	37-48 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.51% → 6.72% ▲ 0.21 pts · high 6.72% / low 6.51% Sep 25, 20266.72%▲ from 6.51% Sep 18, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.72%	49-60 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.76% → 6.72% ▼ 0.04 pts · high 6.76% / low 6.72% Sep 25, 20266.72%▼ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	6.72%	0-84 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.51% → 6.72% ▲ 0.21 pts · high 6.72% / low 6.51% Sep 25, 20266.72%▲ from 6.51% Sep 14, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	6.72%	0-180 Months
Details Credit Tier: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 6.51% → 6.72% ▲ 0.21 pts · high 6.72% / low 6.51% Sep 25, 20266.72%▲ from 6.51% Sep 17, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	6.97%	49-60 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.76% → 6.97% ▲ 0.21 pts · high 6.97% / low 6.76% Sep 25, 20266.97%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	7.32%	0-84 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.31% → 7.32% ▲ 0.01 pts · high 7.32% / low 7.31% Sep 25, 20267.32%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	7.32%	0-180 Months
Details Credit Tier: A Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 7.31% → 7.32% ▲ 0.01 pts · high 7.32% / low 7.31% Sep 25, 20267.32%▲ from 7.31% Sep 17, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	7.52%	0-84 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.31% → 7.52% ▲ 0.21 pts · high 7.52% / low 7.31% Sep 25, 20267.52%▲ from 7.31% Sep 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	7.52%	0-180 Months
Details Credit Tier: B Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 7.31% → 7.52% ▲ 0.21 pts · high 7.52% / low 7.31% Sep 25, 20267.52%▲ from 7.31% Sep 17, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	8.48%	0-84 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.27% → 8.48% ▲ 0.21 pts · high 8.48% / low 8.27% Sep 25, 20268.48%▲ from 8.27% Sep 14, 20268.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	8.48%	0-180 Months
Details Credit Tier: C Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 8.27% → 8.48% ▲ 0.21 pts · high 8.48% / low 8.27% Sep 25, 20268.48%▲ from 8.27% Sep 17, 20268.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	12.97%	0-36 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.76% → 12.97% ▲ 0.21 pts · high 12.97% / low 12.76% Sep 25, 202612.97%▲ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	14.07%	0-36 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.76% → 14.07% ▲ 1.31 pts · high 14.07% / low 12.76% Sep 25, 202614.07%▲ from 13.86% Sep 18, 202613.86%▲ from 12.76% Sep 14, 202612.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	14.07%	37-48 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 14.16% → 14.07% ▼ 0.09 pts · high 14.16% / low 14.07% Sep 25, 202614.07%▼ from 14.16% Sep 18, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	14.37%	37-48 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 14.16% → 14.37% ▲ 0.21 pts · high 14.37% / low 14.16% Sep 25, 202614.37%▲ from 14.16% Sep 18, 202614.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	14.37%	49-60 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 14.77% → 14.37% ▼ 0.40 pts · high 14.77% / low 14.16% Sep 25, 202614.37%▲ from 14.16% Sep 18, 202614.16%▼ from 14.77% Sep 14, 202614.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	14.97%	0-84 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 15.76% → 14.97% ▼ 0.79 pts · high 15.76% / low 14.76% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%▼ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	14.97%	0-72 Months
Details E Credit* Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.76% → 14.97% ▲ 9.21 pts · high 14.97% / low 5.76% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%▲ from 5.76% Sep 14, 20265.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	14.97%	0-180 Months
Details Credit Tier: D Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 14.76% → 14.97% ▲ 0.21 pts · high 14.97% / low 14.76% Sep 25, 202614.97%▲ from 14.76% Sep 17, 202614.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Motorcycle Loans	-	14.98%	49-60 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.77% → 14.98% ▲ 0.21 pts · high 14.98% / low 14.77% Sep 25, 202614.98%▲ from 14.77% Sep 14, 202614.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Boat Loans	-	15.97%	0-84 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.76% → 15.97% ▲ 0.21 pts · high 15.97% / low 15.76% Sep 25, 202615.97%▲ from 15.76% Sep 14, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
New and Used Camper/RV Loans	-	15.97%	0-180 Months
Details Credit Tier: E Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 15.76% → 15.97% ▲ 0.21 pts · high 15.97% / low 15.76% Sep 25, 202615.97%▲ from 15.76% Sep 17, 202615.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum	-	13.90%
Details Amount: $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.13%
Details Amount: $25,000 Last Updated 10/09/2026 Rate History 6 changes since Sep 14, 2026 · 9.92% → 8.13% ▼ 1.79 pts · high 10.13% / low 7.92% Oct 5, 20268.13%▼ from 10.13% Sep 29, 202610.13%▲ from 8.13% Sep 28, 20268.13%▼ from 10.13% Sep 25, 202610.13%▲ from 9.92% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Signature Loan	10.13%
Details Amount: $20,000 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 9.92% → 10.13% ▲ 0.21 pts · high 10.13% / low 8.13% Sep 29, 202610.13%▲ from 8.13% Sep 28, 20268.13%▼ from 10.13% Sep 25, 202610.13%▲ from 9.92% Sep 14, 20269.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Signature Loan	12.13%
Details Amount: $15,000 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 11.92% → 12.13% ▲ 0.21 pts · high 12.13% / low 8.13% Sep 29, 202612.13%▲ from 8.13% Sep 28, 20268.13%▼ from 10.13% Sep 25, 202610.13%▼ from 11.92% Sep 14, 202611.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Signature Loan	14.13%
Details Amount: $5,000 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 13.92% → 14.13% ▲ 0.21 pts · high 14.13% / low 8.13% Sep 29, 202614.13%▲ from 8.13% Sep 28, 20268.13%▼ from 10.13% Sep 25, 202610.13%▼ from 13.92% Sep 14, 202613.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%
Signature Loan	16.23%
Details Amount: $2,500 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 13.92% → 16.23% ▲ 2.31 pts · high 16.23% / low 8.13% Sep 29, 202616.23%▲ from 8.13% Sep 28, 20268.13%▼ from 10.13% Sep 25, 202610.13%▼ from 16.02% Sep 17, 202616.02%▲ from 13.92% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

Coastal Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Platinum Plus Loan	-	-	11.90%
Details Amount: $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.25%

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

Coastal Community Federal Credit Union’s Texas Ratio rose from 3.62% in Q3 2023 to 13.25% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)

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	$93M	13.25%	5.0	A
March 31, 2026	$96M	8.81%	5.0	A
December 31, 2025	$98M	8.45%	5.0	A
September 30, 2025	$97M	11.48%	5.0	A
June 30, 2025	$97M	6.61%	5.0	A
March 31, 2025	$97M	4.76%	5.0	A+
December 31, 2024	$94M	3.03%	5.0	A+
September 30, 2024	$93M	2.85%	5.0	A+
June 30, 2024	$96M	6.03%	5.0	A
March 31, 2024	$95M	5.22%	5.0	A+
December 31, 2023	$94M	4.50%	5.0	A+
September 30, 2023	$93M	3.62%	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 Coastal Community 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 Coastal Community 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 Coastal Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coastal Community Federal Credit Union

Website https://www.coastalcommunityfcu.org

Address 2302 Church St, Galveston, TX 77550

Phone 409-765-6067

Fax 409-765-9853

President Gilbert Robinson

CEO Angelo DeCamps

Full-Time Employees 33

Part-Time Employees 2

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.25%

Return on Assets (ROA)

-0.5039%

Return on Equity (ROE)

-5.0651%

Non-Performing Loans Ratio (NPL)

2.79%

Total Assets

93,302,838

Total Amount of Shares and Deposits

83,533,776

Total Shares and Deposits < 1 Year

80,453,225

Total Shares and Deposits 1 3 Years

2,170,283

Total Shares and Deposits > 3 Years

910,267

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,598,886

Total Uninsured Shares and Deposits > $250K (F+J)

2,598,886

Total Insured Shares and Deposits > $250K (item 17 less item K)

80,934,890

Total Interest Expense (Sum of items 6 8)

504,123

Share Certificates

760

Number of Accounts for Share Drafts

4,232

IRA KEOGH Accounts

275

Number of Accounts for Regular Shares

12,273

Money Market Shares

234

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)

11,937,122

Total Liabilities

84,020,082

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Coastal Community Federal 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.

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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Coastal Community Federal Credit Union

How many branches does Coastal Community Federal Credit Union operate?

Coastal Community 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 Coastal Community Federal Credit Union?

Yes, to access services at Coastal Community 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, Coastal Community 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, Coastal Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Coastal Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Coastal Community 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://www.coastalcommunityfcu.org.