Unlike big banks, we don't answer to Wall Street. We answer to you. Every day, we share our profits with our members through dividends, better rates and markedly lower fees than our competition.
The ways we share
$21 Million Back to Members
In 2016, Coastal gave $21,000,000 back to our members through special dividends, better rates and lower fees.
2.25% APY2 – the Highest Rate in the Triangle
Our members benefit from the highest dividend rate for checking accounts in the Triangle. Go Green Checking earns a 2.25% APY2 when you use your debit card at least 30 times a month.
100% Home Equity Line of Credit
While banks typically offer 80-90% equity loans, with a Home Equity Line of Credit from Coastal, you can use up to 100% of the equity in your home – giving you more money for financing home improvements, paying for college or consolidating debt into one, low payment.
We Donate One Penny of Every Transaction
Each time a member uses a Coastal credit or debit card, we give one penny back to our community – through the Coastal Credit Union Foundation, which supports local nonprofit initiatives such as financial literacy, food insecurity and poverty.
Cut Nearly Half of Fees
In 2015, the three largest banks earned more than $6 billion dollars in ATM and overdraft fees1. But at Coastal, we’ve cut nearly half of them – saving our members an estimated six hundred thousand dollars in 2017.
Auto Loans That Can Save $100/Month
Move your auto loan to Coastal, and we guarantee we can Beat the Bank – by reducing your payment by up to $100/month, reducing your rate by one percent or giving you one percent cash back3.