What are the current interest rates at COASTAL?

Current rates for COASTAL include: 60-Month CD: 4.15%, Savings: 3.00%

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COASTAL Rates & Review July 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 29, 2026

COASTAL's 60-Month CD rates are at 4.15%. COASTAL's savings rates are at 3.00%. 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 were last updated on 06/29/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.41%

Excellent Lower than avg

COASTAL
Administrative Headquarters

1000 Saint Albans Dr
Raleigh, NC 27609

http://www.coastal24.com

COASTAL CD Rates

Product	Rate	APY	Term	View More
60-Month Certificate	-	4.15%	60 months
Min Balance $250 Details For a limited time, you could earn 4.15 % APY on a 60-Month Certificate. A minimum balance of $250 is required to earn the stated APY. Fees may reduce earnings on the account. The APY and dividend rates are fixed at the time of account opening and will remain in effect until the maturity date. A penalty may apply for early withdrawal. Certificates will automatically renew to the same term at maturity. You have a seven-day grace period after the maturity date to withdraw your funds without penalty. Last Updated 06/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

COASTAL Savings Rates

Product	Rate	APY	View More
High Yield Savings	-	3.00%
Min Deposit $25 Min Balance $10,000 Details A minimum average daily balance of $10,000 is required to get the 3.00% APY rate on the entire balance. Fees may reduce earnings on the account. Last Updated 06/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

COASTAL Checking Rates

Product	Rate	APY	View More
Go Green Checking	-	5.00%
Details Qualifications Required: Complete the required number of qualifying transactions with your Go Green Checking debit card during the calendar month; Earn up to 5.00% APY. Qualifying transactions include signature-based or PIN-based purchases, online purchases, and online bill payments made with your debit card. The Premium Tier APY applies to average daily balances up to $10,000, while the Base Tier APY applies to the portion of the balance exceeding $10,000. If you do not meet the minimum transaction requirement for the Premium Tier during the calendar month, the Base Tier APY will apply to the entire balance. Last Updated 06/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.41%

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.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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

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Total Reviews

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Frequently Asked Questions About COASTAL

How 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.