# Coastal Credit Union CD and share certificate rates

As of October 22, 2026, Coastal Credit Union's highest CD (share certificate) rate is 4.50% APY on a 60-month CD ($250 minimum). That is 3.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 4.00% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/coastal-credit-union
Institution: Coastal Federal Credit Union (NCUA 18297)
Aliases: Coastal, Coastal FCU
Status: live
Last verified: 2026-10-22T10:08:15.000Z (October 22, 2026)
Official source: https://www.coastal24.com/products/checking-savings/certificates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month Certificate | standard | 6 months | $250 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 12-Month Certificate | standard | 12 months | $250 | 4.15% | Not ZIP-priced | −0.42% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 15-Month Jumbo Certificate | standard | 15 months | $100,000 | 4.20% | Not ZIP-priced | −0.45% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 18-Month Certificate | standard | 18 months | $250 | 4.10% | Not ZIP-priced | −0.62% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 24-Month Certificate | standard | 24 months | $250 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 27-Month Jumbo Certificate | standard | 27 months | $100,000 | 4.40% | Not ZIP-priced | −0.49% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 36-Month Certificate | standard | 36 months | $250 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 48-Month Certificate | standard | 48 months | $250 | 4.10% | Not ZIP-priced | −0.88% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |
| 60-Month Certificate | standard | 60 months | $250 | 4.50% | Not ZIP-priced | −0.51% | 2026-10-22T10:08:15.000Z | [Snapshot 217](https://apyledger.com/snapshots/217) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.