What are the current interest rates at Coastal Heritage Bank?

Current rates for Coastal Heritage Bank include: 12-Month CD: 3.05%, 18-Month CD: 3.15%, 24-Month CD: 3.15%, 36-Month CD: 3.15%, 48-Month CD: 3.15%, 60-Month CD: 3.15%, Savings: 0.10%, MMA: 0.90%

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Coastal Heritage Bank Rates & Review October 2026

Q: How many branches does Coastal Heritage Bank operate?

Coastal Heritage Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Coastal Heritage Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coastal Heritage Bank 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 14, 2026

Coastal Heritage Bank's top rates as of October 14, 2026 are 4.08% APY on its 11-Months Certificates of Deposit - 11-Month CD, 0.10% APY on savings, 0.90% APY on money market accounts, and 0.025% APY on checking, according to rates verified by MonitorBankRates. Other Coastal Heritage Bank CD rates include 7-Months Certificates of Deposit - 7-Month at 4.08%, 3-Months 3-Month IRA Certificates of Deposit at 3.25%, and 3-Months Certificates of Deposit - 3-Month at 3.25%. MonitorBankRates evaluates the financial stability of Coastal Heritage Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.65%. Rates last updated and verified on 10/14/2026.

Coastal Heritage Bank 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 Heritage Bank? Share your experience about Coastal Heritage Bank by leaving a review below, or read customer reviews before you decide to use Coastal Heritage Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.65%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Coastal Heritage Bank

195 Washington St
Weymouth, MA 02188

https://www.coastalheritagebank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Coastal Heritage Bank CD Rates

Product	Rate	APY	Term
Certificates of Deposit - 11 month	4.00%	4.08%	11 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 7 month	4.00%	4.08%	7 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
3 Month IRA Certificates of Deposit	3.20%	3.25%	3 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 3 month	3.20%	3.25%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
18 Month IRA Certificates of Deposit	3.10%	3.15%	18 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
24 Month IRA Certificates of Deposit	3.10%	3.15%	24 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
36 Month IRA Certificates of Deposit	3.10%	3.15%	36 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
48 Month IRA Certificates of Deposit	3.10%	3.15%	48 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
6 Month IRA Certificates of Deposit	3.10%	3.15%	6 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
60 Month IRA Certificates of Deposit	3.10%	3.15%	60 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 18 month	3.10%	3.15%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 24 month	3.10%	3.15%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 36 month	3.10%	3.15%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 48 month	3.10%	3.15%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 6 month	3.10%	3.15%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 60 month	3.10%	3.15%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
12 Month IRA Certificates of Deposit	3.00%	3.05%	12 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
9 Month IRA Certificates of Deposit	3.00%	3.05%	9 Months
Min Deposit $500 Min Balance $0 Details Minimum Amount Required to Earn APY: $.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 12 month	3.00%	3.05%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Certificates of Deposit - 9 month	3.00%	3.05%	9 Months
Min Deposit $1,000 Min Balance $1,000 Details Minimum amount required to earn APY: $1,000.00; early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

Coastal Heritage Bank Savings Rates

Product	Rate	APY
Heritage Savings	0.10%	0.10%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Heritage Savings	0.10%	0.10%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000.00 or more Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Heritage Savings	0.05%	0.05%
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Heritage Savings	0.05%	0.05%
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Heritage Savings	0.05%	0.05%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
IRA Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Seasonal Fall Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Seasonal Spring Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

Coastal Heritage Bank Money Market Rates

Product	Rate	APY
Money Market	0.90%	0.90%
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000.00 or more Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market	0.75%	0.75%
Min Deposit $500 Min Balance $35,000 Details Balance: $35,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market	0.60%	0.60%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000.00 - $34,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market	0.40%	0.40%
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

Coastal Heritage Bank Checking Rates

Product	Rate	APY
Preferred Interest Checking	0.025%	0.025%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500.00 or more Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
50 Plus Interest Checking	0.01%	0.01%
Min Deposit $50 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Direct Interest Checking	0.01%	0.01%
Min Deposit $50 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Preferred Interest Checking	0.01%	0.01%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $1,499.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Coastal Heritage Bank’s Texas Ratio rose from 4.62% in Q3 2023 to 10.65% 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 bank 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	$984M	10.65%	5.0	A
March 31, 2026	$985M	10.19%	5.0	A
December 31, 2025	$949M	10.42%	5.0	A
September 30, 2025	$951M	9.45%	5.0	A
June 30, 2025	$960M	8.59%	5.0	A
March 31, 2025	$971M	9.23%	5.0	A
December 31, 2024	$965M	9.39%	5.0	A
September 30, 2024	$989M	13.39%	5.0	A
June 30, 2024	$985M	13.11%	5.0	A
March 31, 2024	$985M	9.23%	5.0	A
December 31, 2023	$988M	10.12%	5.0	A
September 30, 2023	$978M	4.62%	5.0	A+

Source: FDIC 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 Heritage Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Coastal Heritage Bank 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 Heritage Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Coastal Heritage Bank

Bank Holding Company EQUITABLE BCORP MHC

Address 195 Washington St, Weymouth, MA 02188 · Norfolk

Website https://www.coastalheritagebank.com

FDIC Certificate # 26591

Established 18890101

FDIC Insurance Date 19860311

Domestic Offices 10

Total Branches 10

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.65%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3745%

Return on Equity (ROE) 3.4100%

Non-Performing Loans (NPL) 0.70%

Total Assets $983,644,000

Total Deposits $790,901,000

Equity Capital $107,971,000

Net Income $1,821,000

Headquarters Weymouth

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

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

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Frequently Asked Questions About Coastal Heritage Bank

How many branches does Coastal Heritage Bank operate?

Coastal Heritage Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Coastal Heritage Bank 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 Heritage Bank provides members with tools to manage their accounts and build a solid financial history.

Does Coastal Heritage Bank offer online and mobile banking?

Most modern institutions like Coastal Heritage Bank 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.coastalheritagebank.com.