Go to main content Coastal Community Federal Credit Union Coastal Community Federal Credit Union
Facebook Twitter Instagram LinkedIn
Join Now Apply for a Loan
Online Banking
Forgot Password | Forgot Username
Online Enrollment

All Rates

Deposit Rates

Savings
Effective Date: May 5, 2026
Product TypeMinimum Balance**Dividend RateAPY*Dividend PeriodTerm**
IRA Variable Savings $100 0.20% 0.20% M 1 Month
IRA Fixed Certificates $500 3.25% 3.29% Q 1 Year
IRA Fixed Certificates $500 3.25% 3.29% Q 2 Year
IRA Fixed Certificates $500 3.60% 3.76% Q 3 Year
IRA Fixed Certificates $500 3.25% 3.29% Q 5 Year
Regular Savings $100 - $2000 0.05% 0.05% Q Day In/Day Out
Regular Shares $2,005+ 0.10% 0.10% Q Day In/Day Out
Special Savings $100 0.05% 0.05% Q 3 Months
Regular Checking $250 0.05% 0.05% M Day In/Day Out
High-Tide Checking
(Money Market)		 $2,500 - $24,999 0.40% 0.40% M Day In/Day Out
High-Tide Checking
(Money Market)		 $25,000 - $99,999 0.50% 0.50% M Day In/Day Out
High-Tide Checking
(Money Market)		 $100,000+ 0.60% 0.60% M Day In/Day Out

*APY = Annual Percentage Yield
**There may be a penalty for early withdrawal for:

1.  Early withdrawal or
2.  Not maintaining a minimum balance

Rates Effective May 5, 2026

Certificates
Effective Date: May 5, 2026
TypeMinimum DepositDividend RateAPYDividend PeriodTerm**
Share Certificates $500 2.96% 3.00% M 6 months**
Share Certificates $500 3.25% 3.29% M 1 year**
Share Certificates $500 3.25% 3.29% M 2 years**
Share Certificates $500 3.60% 3.76% M 3 years**
Share Certificates $500 3.25% 3.29% M 4 years**
Share Certificates $500 3.25% 3.29% M 5 years**
Jumbo Certificates *$100,000 *May add 0.10% to regular certificate rate.*  —  — *Subject to Early Withdrawal Penalty

*May Add .10% To Regular Certificate Rate
**Subject to early withdrawal penalty

Rates Effective May 5, 2026

Loan Rates

Vehicle Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 3.31% 3.56% 4.06% 4.36% 13.06% 14.16%
37-48 Months 3.56% 4.06% 4.36% 5.06% 14.16% 14.46%
49-60 Months 4.06% 4.36% 5.06% 6.56% 14.46% 15.06%
61-75 Months 4.36% 5.06% 6.56% 6.81% 15.06% 15.56%
76-84 Months 5.06% 6.56% 6.81% 7.06% 15.56% 16.06%
Rates Effective April 23, 2026

Motorcycle Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-36 Months 5.81% 6.06% 6.41% 6.56% 13.06% 14.16%
37-48 Months 6.06% 6.41% 6.56% 6.81% 14.16% 14.46%
49-60 Months 6.41% 6.56% 6.81% 7.06% 14.46% 15.07%
Rates Effective April 23, 2026

New and Used Camper/RV Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-180 Months 6.81% 7.41% 7.61% 8.57% 15.06% 16.06%
Rates Effective April 23, 2026

New and Used Boat Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-84 Months 6.81% 7.41% 7.61% 8.57% 15.06% 16.06%
Rates Effective April 23, 2026

New and Used Farm Equipment Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
TermA+ Credit*A Credit*B Credit*C Credit*D Credit*E Credit*
0-72 Months 5.21% 5.31% 5.56% 5.81% 6.06% 15.06%
Rates Effective April 23, 2026

Share Secured Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
Term*APR
0-36 Months 3.75%
37-72 Months 5.75%
Rates Effective April 23, 2026

CD Secured Loans
Effective Date: April 23, 2026
*APR = Annual Percentage Rate
*APR
3% Over CD Rate
Rates Effective April 23, 2026

Signature Loans
Effective Date: April 23, 2026
AmountRate
Up to $25,000 As Low As 8.22%
Rates Effective April 23, 2026

Visa Card Loans
Effective Date: April 23, 2026
TypeRateAmount
Visa Platinum 13.9% $5,000
Platinum Plus 11.9% $10,000
Certificate Secured Visa 6.5% Certificate $
Feel Free 8.9% $10,000
Rates Effective April 23, 2026

Home Equity Rates
Effective Date: April 23, 2026
NameTermA+ Credit*A Credit*B Credit*C Credit*D Credit*
1st Lien   Homestead 5 Years 6.25% 6.50% 6.75% 7.00% 7.50%
  10 Years 6.50% 6.75% 7.00% 7.50% 7.75%
  15 Years 6.75% 7.00% 7.50% 7.75% 8.00%
  20 Years 7.00% 7.50% 7.75% 8.00% 8.25%
  30 Years 7.50% 7.75% 8.00% 8.25% 8.50%
2nd Lien   Homestead 5 Years 7.00% 7.50% 7.75% 8.00% 8.25%
  10 Years 7.50% 7.75% 8.00% 8.25% 8.50%
  15 Years 7.75% 8.00% 8.25% 8.50% 8.75%
  20 Years 8.00% 8.25% 8.50% 8.75% 9.00%

Go to main navigation