COASTAL CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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  3. COASTAL Deposit Rates

COASTAL12-month CD rates can be found at 2.74%, 6-month CD rates at 4.25% and 3-month CD rates at 0.10%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 7.65%. Credit Card rates are at 12.50%. Personal Loan rates are at 11.99%. All these rates, and more, can be found in our database of rates which you can compare to COASTAL rates.

Compare COASTAL CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of COASTAL savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

COASTAL money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at COASTAL? Share your experience about COASTAL by leaving a review below, or read customer reviews before you decide to use COASTAL.

Overall, COASTAL is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Southside Bank
Administrative Headquarters
1000 Saint Albans Dr
Raleigh, NC 27609
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare COASTAL Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Raymond James Bank
Raymond James Bank
18-Month CD
4.40%
$1,000
Landmark Credit Union
Landmark Credit Union
12-Month CD
4.25%
$500
Ohio State Bank
Ohio State Bank
6-Month CD
4.10%
$500
First Foundation Bank
First Foundation Bank
9-Month CD (Online)
4.00%
$2,500
Ixonia Bank
Ixonia Bank
6-Month CD
3.90%
$1,000
Conway National Bank (CNB)
Conway National Bank (CNB)
12-Month CD
3.85%
$500
Inova Federal Credit Union
Inova Federal Credit Union
30-Month CD
3.75%
$200
City National B&T Co. of Lawton, OK
18-Month CD
3.75%
$500
Commercial Bank De Kalb, MS
Commercial Bank De Kalb, MS
12-Month CD
3.60%
$1,000
Northwest Bank
Northwest Bank
18-Month CD
3.58%
$100
1st Advantage Bank
1st Advantage Bank
24-Month CD (Jumbo)
3.51%
$500
Academy Bank
Academy Bank
24-Month CD
3.29%
$500
Customers Bank
Customers Bank
48-Month CD
3.25%
$500
Henderson FSB
Henderson FSB
12-Month CD
3.20%
$500
Home State Bank Royal, IA
Home State Bank Royal, IA
48-Month CD
3.03%
$1,000
Centinel Bank of Taos
Centinel Bank of Taos
36-Month CD
3.00%
$1,000
Savings Bank of Walpole
Savings Bank of Walpole
18-Month CD
3.00%
$500
Cornhusker Bank
Cornhusker Bank
30-Month CD
3.00%
$1,000
Senath State Bank
Senath State Bank
36-Month CD
2.52%
$500
The Bank of Princeton
The Bank of Princeton
18-Month CD
2.50%
$500
Chartway Credit Union
Chartway Credit Union
12-Month CD
2.35%
$500
Think Mutual Bank
Think Mutual Bank
3-Month CD
2.25%
$250
Reliance State Bank
Reliance State Bank
36-Month CD
2.11%
$2,500
First State B&T Williston, ND
First State B&T Williston, ND
12-Month CD
1.90%
$500
OSB Odin State Bank
OSB Odin State Bank
24-Month CD
1.76%
$10,000
Paramount Bank
Paramount Bank
60-Month CD
1.70%
$1,000
Champlain National Bank
Champlain National Bank
18-Month CD
1.51%
$500
Community Bank of Marshall
Community Bank of Marshall
Money Market
1.26%
$1,000
Perryton National Bank
Perryton National Bank
Savings
1.01%
$0
Minnstar Bank
Minnstar Bank
Elite Savings
1.00%
$0
The Antwerp Exchange Bank Company
The Antwerp Exchange Bank Company
60-Month CD
1.00%
$500
First Command Bank
First Command Bank
24-Month CD
0.90%
$1,000
Continental Bank
Continental Bank
24-Month CD
0.85%
$25,000
BAC Community Bank
BAC Community Bank
60-Month CD
0.75%
$2,500
FSB of Rosemount
FSB of Rosemount
Classic Savings
0.60%
$10
Passumpsic Savings Bank
Passumpsic Savings Bank
Kasasa Saver Savings
0.50%
$0
Queenstown Bank
Queenstown Bank
48-Month CD
0.50%
$500
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
Insured Money Market
0.45%
$2,500
Salem Five Direct
Salem Five Direct
36-Month CD
0.35%
$500
Newtown Savings Bank
Newtown Savings Bank
Statement Savings
0.25%
$25
Five Star Credit Union
Five Star Credit Union
Business Money Market Rates
0.25%
$25,000
Greenfield Co-operative Bank
Greenfield Co-operative Bank
12-Month CD
0.20%
$500
North Valley Bank Zanesville, OH
North Valley Bank Zanesville, OH
Statement Savings
0.15%
$0
Stoughton Co-operative Bank
Stoughton Co-operative Bank
Money Market
0.15%
$2,500
Liberty Savings Bank
Liberty Savings Bank
Checking
0.14%
$0
North Easton SB
North Easton SB
Main Street Money Market
0.10%
$1,000
Washington Savings Bank Lowell, MA
Washington Savings Bank Lowell, MA
Rewards Savings
0.10%
$0
America First Federal Credit Union
America First Federal Credit Union
Premium Checking
0.10%
$500
PSB of Rhineland
PSB of Rhineland
Savings
0.05%
$0
Milford Bank
Milford Bank
Sound Money Market
0.02%
$5
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare COASTAL Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
10 Year Fixed
5.300%
5.494%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
15-Year Fixed (Jumbo)
5.375%
5.525%
0.750
Security Service Federal Credit Union
Security Service Federal Credit Union
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
15-Year Fixed
5.700%
5.889%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
15 Year Fixed
5.750%
5.977%
0.000
People First Federal Credit Union
People First Federal Credit Union
15-Year Fixed
5.625%
6.019%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
3/5 Conforming ARM
5.500%
6.094%
0.250
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
7/6 ARM
6.125%
6.144%
0.000
Mid Oregon Federal Credit Union
Mid Oregon Federal Credit Union
15 Year Fixed
5.875%
6.148%
0.250
Kirtland Federal Credit Union
Kirtland Federal Credit Union
15 Year Fixed
5.875%
6.177%
0.000
Old National Bank
Old National Bank
15-Year Fixed
6.125%
6.206%
0.000
Liberty Bank Middletown, CT
Liberty Bank Middletown, CT
15-Year Fixed
6.125%
6.231%
0.000
Grow Financial Federal Credit Union
Grow Financial Federal Credit Union
20 Year Fixed
6.125%
6.268%
0.000
Honda Federal Credit Union
Honda Federal Credit Union
15 Year Fixed
6.125%
6.278%
0.000
A+ Federal Credit Union
A+ Federal Credit Union
10-Year Fixed
6.125%
6.309%
0.000
Vystar Credit Union
Vystar Credit Union
5/5 ARM
5.750%
6.330%
0.000
Security Service Federal Credit Union
Security Service Federal Credit Union
30-Year Fixed (Power Rate)
6.515%
6.375%
0.000
FirstBank of Nebraska
FirstBank of Nebraska
20-Year Fixed
6.375%
6.376%
0.000
Collinsville Bank
Collinsville Bank
20-Year Fixed
6.250%
6.396%
0.000
L and N Federal Credit Union
L and N Federal Credit Union
15 Year Fixed
6.250%
6.424%
0.000
Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union
15 Year Fixed
6.125%
6.433%
0.000
Security Service Federal Credit Union
Security Service Federal Credit Union
20-Year Fixed (Power Rate)
6.250%
6.434%
0.000
River Region Credit Union
River Region Credit Union
15-Year Fixed
6.250%
6.434%
0.000
Radius Federal Credit Union
Radius Federal Credit Union
15-Year Fixed
6.375%
6.484%
0.000
NESC Federal Credit Union
NESC Federal Credit Union
30 Year Fixed
6.500%
6.505%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare COASTAL Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
AAEC Credit Union
AAEC Credit Union
VISA Credit Card
11.900%
No annual fee
ACFCU
ACFCU
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum
8.900%
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
Acipco Federal Credit Union
Acipco Federal Credit Union
Visa Credit Card
9.990%
America First Federal Credit Union
America First Federal Credit Union
SILICON SLOPES SIGNATURE VISA
18.000%
Unlimited 1% Cash Back .5% Donation Signature Card
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
Canyon View Credit Union
Canyon View Credit Union
Visa Secure Card
13.740%
Achieve Financial Credit Union
Achieve Financial Credit Union
Visa Balance Transfer
8.990%
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
Abri Credit Union
Abri Credit Union
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
America First Federal Credit Union
America First Federal Credit Union
PLATINUM REWARDS VISA
14.740%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Achieve Credit Union
Achieve Credit Union
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
1st Northern California Credit Union
1st Northern California Credit Union
Visa Shared Secured
7.900%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum without Rewards
7.900%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare COASTAL Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
4U Federal Credit Union
4U Federal Credit Union
Personal Loan
10.650%
$0
AAC Credit Union
AAC Credit Union
Personal Loans Share Secured
5.990%
$0
48
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
The Golden 1 Credit Union
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
A+ Federal Credit Union
A+ Federal Credit Union
A+ Personal Loan
8.990%
$0
84
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Unsecured (Signature) Loan
11.000%
$0 - $500
1st Liberty Federal Credit Union
1st Liberty Federal Credit Union
Signature Loans
11.240%
$0 - $10,000
60 - 60
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Payroll Savings Loan
17.900%
$0 - $500
Access Community Credit Union
Access Community Credit Union
Personal Loans
12.990%
$0
13 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
1st Northern California Credit Union
1st Northern California Credit Union
1st Line of Credit
9.900%
$0
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Personal Loan
9.990% - 18.000%
$0 - $50,000
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
A+ Federal Credit Union
A+ Federal Credit Union
A+ Preferred Line Of Credit
10.990%
$0
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $2,500
36 - 36
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
AT&T Employees Federal Credit Union
AT&T Employees Federal Credit Union
EZ Loan
18.000%
$0 - $500
5
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
8.490%
$0
36 - 36
Hughes Federal Credit Union
Hughes Federal Credit Union
Line of Credit
13.450%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have COASTAL rate data right now, check back for updates, we are adding rates all the time.

COASTAL Information

Credit Union Name: COASTAL
Full Time Employees: 612
Part Time Employees: 14
President: Joan Nelson
CEO: Tyler Grodi
Branch Locations: 25
ATM Locations: 25
Corporate Office Address:
1000 Saint Albans Dr
Raleigh, NC 27609
Phone Number: 919-420-8000
Fax Number:

COASTAL Financials

Total Assets:
5,179,586,039
Total Amount of Shares and Deposits:
4,534,064,779
Total Shares and Deposits < 1 Year:
4,411,226,348
Total Shares and Deposits 1 3 Years:
104,024,122
Total Shares and Deposits > 3 Years:
18,814,309
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
445,187,741
Total Uninsured Shares and Deposits > $250K (F+J):
445,187,741
Total Insured Shares and Deposits > $250K (item 17 less item K):
4,088,877,038
Total Interest Expense (Sum of items 6 8):
26,782,647
Share Certificates:
39,047
Number of Accounts for Share Drafts:
184,063
IRA KEOGH Accounts:
10,796
Number of Accounts for Regular Shares:
368,507
All other shares:
3,881
Money Market Shares:
30,942
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
571,362,454
Total Liabilities:
4,701,043,709
Show More

COASTAL Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
Yes
Online Financial Literacy?:
Yes
Bilingual Services:
1
No Cost Bill Payer:
Yes
Credit Builder:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Mortgage Rates December 10th 2019After plummeting over the summer, average mortgage rates have been stable the past several months. Mortgage rates changed little week over week with the biggest decline being in average rates for short term adjustable mortgage rates. We expect mortgage rates to pretty much stay near current levels the rest of the year, barring any macroeconomic events.
giantbank.com Money Market Account rates are now at 0.45 percent with a yield of 0.45 percent. View current Money Market Account rates at giantbank.com below.
AIG Bank is offering a high yield money market account, rates on the MMA are tiered, the higher your balance the higher the interest rate. The minimum opening deposit is $2,500. The annual percentage yield for deposits below $10,000 is 2.15% and on the high end the APY is 3.26% for balances over $250,000, here is the rate and yield table below.

Bank or Credit Union Offers and Deals

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