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COASTAL Rates & Review August 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.
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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: August 28, 2026
COASTAL's 60 Month rates are at 4.15%, IRA CD 60 Month rates are at 4.15%, 18 Month rates are at 4.10%, IRA CD 15 Month Jumbo rates are at 4.10%, IRA CD 18 Month rates are at 4.10%. COASTAL's savings rates are at 0.10%. COASTAL's money market rates are at 0.25%. COASTAL's 30-year fixed-rate mortgage rates are at 7.88%, 7/6 Adjustable-Rate Mortgage (ARM) rates are at 8.00%. COASTAL's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of COASTAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.41%. Rates last updated and verified on 08/28/2026. COASTAL 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? Share your experience about COASTAL by leaving a review below, or read customer reviews before you decide to use COASTAL. 
COASTAL CD Rates
COASTAL Savings Rates
COASTAL Money Market Rates
COASTAL Checking Rates
COASTAL Mortgage Rates
COASTAL Home Equity & HELOC
COASTAL Auto Loan Rates
COASTAL Credit Card Rates
COASTAL Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for COASTAL 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
COASTAL
Website
http://www.coastal24.com
Address
1000 Saint Albans Dr,
Raleigh, NC 27609
Phone
919-420-8000
Fax
President
Joan Nelson
CEO
Tyler Grodi
Full-Time Employees
601
Part-Time Employees
15
Branch Locations
22
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.41%
Return on Assets (ROA)
0.7087%
Return on Equity (ROE)
7.0986%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
5,827,641,702
Total Amount of Shares and Deposits
4,986,318,842
Total Shares and Deposits < 1 Year
4,633,763,117
Total Shares and Deposits 1 3 Years
313,220,837
Total Shares and Deposits > 3 Years
39,334,888
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
597,761,936
Total Uninsured Shares and Deposits > $250K (F+J)
597,761,936
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,388,556,906
Total Interest Expense (Sum of items 6 8)
97,981,290
Share Certificates
38,855
Number of Accounts for Share Drafts
189,020
IRA KEOGH Accounts
11,321
Number of Accounts for Regular Shares
384,406
All other shares
3,822
Money Market Shares
32,180
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)
617,476,434
Total Liabilities
5,269,439,939
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for COASTAL yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for COASTAL
Frequently Asked Questions About COASTALHow many branches does COASTAL operate?COASTAL 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?Yes, to access services at COASTAL, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does COASTAL offer online and mobile banking?Most modern institutions like COASTAL 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: http://www.coastal24.com. Current COASTAL Rates
Retrieved from our database of financial products. Rates subject to change.
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