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Coastal1 Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 13, 2026
Coastal1 Credit Union's top rates as of October 13, 2026 are 4.25% APY on its CD Of Deposit - 13 month, 0.15% APY on savings, 0.80% APY on money market accounts, 3.25% APY on checking, 6.12% on its Adjustable Rate (ARM) 5/5 mortgage, and personal loans from 10.49% APR, according to rates verified by MonitorBankRates. Other Coastal1 Credit Union CD rates include IRA CD Of Deposit - 13 month at 4.25%, CD Of Deposit - 17 month at 4.00%, and CD Of Deposit - 5 month at 4.00%. Other Coastal1 Credit Union mortgage rates include Jumbo Fixed Rate 10 yr at 6.62%, Jumbo Fixed Rate 15 yr at 6.88%, and Jumbo Adjustable Rate (ARM) 10/1 at 6.88%. MonitorBankRates evaluates the financial stability of Coastal1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.68%. Rates last updated and verified on 10/13/2026.
Coastal1 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 Coastal1 Credit Union? Share your experience about Coastal1 Credit Union by leaving a review below, or read customer reviews before you decide to use Coastal1 Credit Union.
Coastal1 Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Coastal1 Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.68%
ExcellentLower than avg
Coastal1 Credit Union Texas Ratio
Coastal1 Credit Union's Texas Ratio is 1.68%, which is considered excellent and is lower than the national average of 6.13%.
Coastal1 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.60% to 1.68% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Coastal1 Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate Of Deposit - 13 month
-
4.25%
13 month
Min Deposit$1,000
Min Balance$1,000
DetailsNEW MONEY ONLY
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 13 month
-
4.25%
13 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500; NEW MONEY ONLY
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65%
Sep 22, 20264.25%▲ from 3.65%
Sep 14, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 17 month
-
4.00%
17 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 5 month
-
4.00%
5 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 9 month bump up
-
4.00%
9 month
Min Deposit$1,000
Min Balance$1,000
DetailsNEW MONEY ONLY; bump up
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 17 month
-
4.00%
17 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
Oct 13, 20264.00%▲ from 3.40%
Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 5 month
-
4.00%
5 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 9 month bump up
-
4.00%
9 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500; NEW MONEY ONLY
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 4 month
-
3.75%
4 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 4 month
-
3.75%
4 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 22 month bump-up
-
3.50%
22 month
Min Deposit$1,000
Min Balance$1,000
DetailsBump-up
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 22 month
-
3.50%
22 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 9 month
-
3.00%
9 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 9 month
-
3.00%
9 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 12 month
-
2.85%
12 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 12 month
-
2.85%
12 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 6 month
-
2.80%
6 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 6 month
-
2.80%
6 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 24 month
-
2.75%
24 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 3 month
-
2.75%
3 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 30 month bump-up
-
2.75%
30 month
Min Deposit$1,000
Min Balance$1,000
DetailsBump-up
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 24 month
-
2.75%
24 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
Oct 13, 20262.75%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 3 month
-
2.75%
3 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 30 month bump-up
-
2.75%
30 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 2.75% ▼ 0.45 pts · high 3.20% / low 2.75%
Oct 13, 20262.75%▼ from 3.20%
Sep 14, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 18 month
-
2.50%
18 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 36 month
-
2.50%
36 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 48 month
-
2.50%
48 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Certificate Of Deposit - 60 month
-
2.50%
60 month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 18 month
-
2.50%
18 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 36 month
-
2.50%
36 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
Oct 13, 20262.50%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 48 month
-
2.50%
48 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
Oct 13, 20262.50%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
IRA Certificate Of Deposit - 60 month
-
2.50%
60 month
Min Deposit$500
Min Balance$500
DetailsMinimum to Earn APY: $500
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
Oct 13, 20262.50%▼ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Business Savings Rates
Product
Rate
APY
View More
Business High Yield Savings
-
0.15%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business High Yield Savings
-
0.15%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business High Yield Savings
-
0.10%
Min Deposit$2,500
Min Balance$25
DetailsBalance: $25 to $2,499.99
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Statement Savings
-
0.10%
Min Deposit$5
Min Balance$25
DetailsBalance: $25
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000 to $99,999.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000 to $49,999.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Business Money Market
-
0.80%
Min Deposit$2,500
Min Balance$25
DetailsBalance: $25 to $2,499.99
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 0.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Checking Rates
Product
Rate
APY
View More
Advantage Checking
-
3.25%
Min Deposit$25
Min Balance$0
DetailsQualifications Required; Balance: $0.01 to $20,000.00; Limit one Advantage Checking per member; $25 monthly service charge if conditions not met
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Jumbo Fixed Rate 10 yr
6.625%
0
6.671%
10 years
DetailsRates as of 10/13/2026; Loan amounts greater than $832,750
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.67% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Fixed Rate 15 yr
6.875%
0
6.908%
15 years
DetailsRates as of 10/13/2026; Loan amounts greater than $832,750
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.91% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Adjustable Rate (ARM) 10/1
6.875%
0
6.977%
10/1
DetailsRates as of 10/13/2026; Loan amounts greater than $832,750
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.98% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Adjustable Rate (ARM) 10/1
6.75%
0
7.04%
10/1
DetailsRates as of 10/13/2026; Initial fixed rate that changes to variable over the life of the loan
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Fixed Rate 20 yr
7.125%
0
7.152%
20 years
DetailsRates as of 10/13/2026; Loan amounts greater than $832,750
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Adjustable Rate (ARM) 5/5
6.125%
0
7.181%
5/5
DetailsRates as of 10/13/2026; Initial fixed rate that changes to variable over the life of the loan
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.18% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Adjustable Rate (ARM) 5/5
6.625%
0
7.236%
5/5
DetailsRates as of 10/13/2026; Loan amounts greater than $832,750
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Jumbo Fixed Rate 30 yr
7.375%
0
7.396%
30 years
DetailsRates as of 10/13/2026; Loan amounts greater than $832,750
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.40% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Balloon Land Loans (Buildable Lot) 5/1
7.625%
0
7.783%
5/1
DetailsRates as of 10/13/2026; Land loans for buildable lots
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.78% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Equity Optimizer HELOC
7.75%
-
7.75%
DetailsRate: 7.75% (Prime Rate plus 0.75%); Prime Rate equal to 7.00% APR as of 10/13/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Autos - 2025-2026
-
-
6.09%
DetailsAs Low As; Model Year: 2025-2026; Offer applicable for applicants with a credit score of 730 or higher; Existing Coastal1 Credit Union auto loans not eligible for this promotion
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 6.09% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2023-2025
-
-
6.09%
DetailsAs Low As; Model Year: 2023-2025; Credit score 730 or higher; mileage less than 100,000; Advertised APR is the lowest available
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.09% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2020-2022
-
-
6.39%
DetailsAs Low As; Model Year: 2020-2022; Credit score 730 or higher; mileage less than 100,000; Advertised APR is the lowest available
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2017-2019
-
-
7.39%
DetailsAs Low As; Model Year: 2017-2019; Credit score 730 or higher; mileage less than 100,000; Advertised APR is the lowest available
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Used Autos - 2014-2016
-
-
8.09%
DetailsAs Low As; Model Year: 2014-2016; Credit score 730 or higher; mileage less than 100,000; Advertised APR is the lowest available
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.09% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycles - New Loan
-
7.39%
60 months
DetailsAdvertised APRs are the lowest available; rates subject to change without notice
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.39% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Motorcycles - Used Loan
-
7.99%
48 months
DetailsAdvertised APRs are the lowest available; rates subject to change without notice
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
RV/Boat/Trailer/Other Recreational Vehicles - New & Used Loan
-
7.99%
60 months
DetailsAdvertised APR (lowest available); interest rate determined by individual creditworthiness
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Motorcycles - New (< 10% down payment) Loan
-
8.39%
60 months
DetailsDown Payment: < 10%; Advertised APRs are the lowest available; rates subject to change without notice
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 8.39% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Motorcycles - Used (< 20% down payment) Loan
-
8.99%
48 months
DetailsDown Payment: < 20%; Advertised APRs are the lowest available; rates subject to change without notice
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
RV/Boat/Trailer/Other Recreational Vehicles - New & Used (< 20% down payment) Loan
-
8.99%
60 months
DetailsDown payment less than 20%; advertised APR (lowest available); interest rate determined by individual creditworthiness
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal/Consolidation Loans
10.49%
48 months
DetailsAdvertised APR; Loan amounts up to $10,000
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 10.49% APR · checked 2 times
No change since Oct 9, 2026 · 10.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Personal Line Of Credit
11.00%
Revolving
DetailsRate: Variable APR equal to Prime Rate + 4.00%*; 11.00% APR as of 10/13/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Coastal1 Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Balloon Land Loans (Buildable Lot) 1/1
7.375%
0
7.521%
1/1
DetailsRates as of 10/13/2026; Land loans for buildable lots
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.52% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
6.875%
5 years
DetailsRate subject to change without notice; interest rate determined by individual creditworthiness
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.88% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
7.125%
10 years
DetailsRate subject to change without notice; interest rate determined by individual creditworthiness
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.13% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
7.375%
15 years
DetailsRate subject to change without notice; interest rate determined by individual creditworthiness
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.38% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Loans
-
-
7.625%
20 years
DetailsRate subject to change without notice; interest rate determined by individual creditworthiness
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.63% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.125%
5 years
DetailsEquity Optimizer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.13% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.375%
10 years
DetailsEquity Optimizer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.38% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.625%
15 years
DetailsEquity Optimizer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.63% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Equity Optimizer Fixed Rate
-
-
8.875%
20 years
DetailsEquity Optimizer
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.88% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Quick Pay Fixed Rate 1-10 yrs
6.75%
0
7.132%
1-10 years
DetailsRates as of 10/13/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.13% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Quick Pay Fixed Rate 11-15 yrs
6.875%
0
7.148%
11-15 years
DetailsRates as of 10/13/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Quick Pay Fixed Rate 20 yr
7.25%
0
7.472%
20 years
DetailsRates as of 10/13/2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.47% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Spectrum Home Loan
-
-
7.375%
12 years
DetailsHome equity loan; APR available for qualifying properties with LTV of 80% or less; 1-4 family owner-occupied primary residence only
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00%
Oct 9, 20267.38%▲ from 7.25%
Sep 26, 20267.25%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Spectrum Home Loan
-
-
7.625%
17 years
DetailsHome equity loan; APR available for qualifying properties with LTV of 80% or less; 1-4 family owner-occupied primary residence only
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 7.25% → 7.63% ▲ 0.38 pts · high 7.63% / low 7.25%
Oct 9, 20267.63%▲ from 7.50%
Sep 26, 20267.50%▲ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.68%
Financial Health History
Coastal1 Credit Union’s Texas Ratio stayed near 1.60% in Q3 2023 to 1.68% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
$3.5B
1.68%
5.0
A+
March 31, 2026
$3.5B
1.35%
5.0
A+
December 31, 2025
$3.4B
2.77%
5.0
A+
September 30, 2025
$3.4B
1.96%
5.0
A+
June 30, 2025
$3.4B
2.37%
5.0
A+
March 31, 2025
$3.4B
1.80%
5.0
A+
December 31, 2024
$3.3B
2.36%
5.0
A+
September 30, 2024
$3.4B
1.76%
5.0
A+
June 30, 2024
$3.3B
1.47%
5.0
A+
March 31, 2024
$3.3B
0.84%
5.0
A+
December 31, 2023
$3.3B
1.46%
5.0
A+
September 30, 2023
$3.3B
1.60%
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 Coastal1 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 Coastal1 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 Coastal1 Credit Union's official website for the most current offers and terms.
Address
1200 Central Ave,
Pawtucket, RI 02861-2200
Phone401-722-2212
Fax401-729-4032
PresidentLynn Weinstein
CEOBrian Azar
Full-Time Employees281
Part-Time Employees7
Branch Locations19
ATM Locations19
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.68%
Return on Assets (ROA)
0.3645%
Return on Equity (ROE)
3.4287%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
3,491,726,116
Total Amount of Shares and Deposits
2,735,866,344
Total Shares and Deposits < 1 Year
2,621,467,058
Total Shares and Deposits 1 3 Years
105,556,305
Total Shares and Deposits > 3 Years
8,842,981
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
221,420,522
Total Uninsured Shares and Deposits > $250K (F+J)
221,420,522
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,514,445,822
Total Interest Expense (Sum of items 6 8)
41,055,541
Share Certificates
24,558
Number of Accounts for Share Drafts
43,760
IRA KEOGH Accounts
5,412
Number of Accounts for Regular Shares
150,245
All other shares
5,114
Non Member Deposits
3
Money Market Shares
8,731
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)
199,769,265
Total Liabilities
3,132,299,854
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Coastal1 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Coastal1 Credit Union
Frequently Asked Questions About Coastal1 Credit Union
How many branches does Coastal1 Credit Union operate?
Coastal1 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 Coastal1 Credit Union?
Yes, to access services at Coastal1 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, Coastal1 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, Coastal1 Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Coastal1 Credit Union offer online and mobile banking?
Most modern institutions like Coastal1 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.coastal1.org.
Current Coastal1 Credit Union Rates
12-Month CD2.85%
18-Month CD2.50%
24-Month CD2.75%
60-Month CD2.50%
Savings0.15%
MMA0.80%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
