Coastal States Bank CD Rates — October 2026
As of October 22, 2026, Coastal States Bank's highest tracked CD rate is 4.50% APY on a 7-month promotional CD ($1,000 minimum). That is 3.2 times the FDIC national average for 6-month CDs (1.39%).
Tracking began .
Coastal States Bank CD rates
CD specials from 6 to 18 months that can be opened online. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-Month CD Promotional | $1,000 | 4.00% | −0.40% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7-Month CD Promotional | $1,000 | 4.50% | +0.07% | Verified October 22, 2026 |
| 12 months | 12-Month CD Promotional | $1,000 | 4.10% | −0.47% | Top 19% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18-Month CD Promotional | $1,000 | 4.20% | −0.52% | Top 16% of tracked 18-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Coastal States Bank's best CD rates by term?
Coastal States Bank's best rate is 4.50% APY on 7 months, verified October 22, 2026.
- 6 mo4.00%
- 7 mo4.50%
- 12 mo4.10%
- 18 mo4.20%
How much interest could a Coastal States Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$260.19 interest · $10,260.19 at maturity on $10,000.00.
4.50% APY · 7 months · 7-Month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $99.294.00% APY · 6-Month CD · Promotional | $198.594.00% APY · 6-Month CD · Promotional | $496.474.00% APY · 6-Month CD · Promotional | $992.934.00% APY · 6-Month CD · Promotional |
| 7 months | $130.104.50% APY · 7-Month CD · Promotional | $260.194.50% APY · 7-Month CD · Promotional | $650.484.50% APY · 7-Month CD · Promotional | $1,300.974.50% APY · 7-Month CD · Promotional |
| 12 months | $205.004.10% APY · 12-Month CD · Promotional | $410.004.10% APY · 12-Month CD · Promotional | $1,025.004.10% APY · 12-Month CD · Promotional | $2,050.004.10% APY · 12-Month CD · Promotional |
| 18 months | $318.584.20% APY · 18-Month CD · Promotional | $637.174.20% APY · 18-Month CD · Promotional | $1,592.924.20% APY · 18-Month CD · Promotional | $3,185.844.20% APY · 18-Month CD · Promotional |
How Coastal States Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 88 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Coastal States Bank (this institution)7-Month CD · Promotional | 7 months | $1,000 | Branches in GA, SC | 4.50% | October 22, 2026 |
| First National Bank (FNB)CD Special · Promotional | 7 months | $10,000 | Branches in 8 states | 3.75% | October 22, 2026 |
| Robins Financial Credit Union7 Month Special Share Certificate · Promotional | 7 months | $500 | Membership required · branches in GA | 3.75% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Available nationwide | 3.60% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Branches in MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Coastal States Bank on October 22, 2026.
About Coastal States Bank
- Legal name
- Coastal States Bank
- Regulator ID
- FDIC 57756
- Headquarters
- Hilton Head Island, SC
- Available in
- GA, SC
- Total assets
- $2.4 billion
- Also known as
- Website
- www.coastalstatesbank.com
Source: rates read from https://www.coastalstatesbank.com/personal/personal-savings/certificate-of-deposit-specials. See the page text we read.
Frequently asked questions
What is the highest CD rate at Coastal States Bank?
Among the rates we track, 4.50% APY on a 7-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Coastal States Bank CD?
The lowest minimum we found is $1,000.
How does Coastal States Bank's best CD rate compare with Treasury yields?
4.50% APY is +0.07% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Coastal States Bank CDs insured?
Coastal States Bank is an FDIC-insured bank (FDIC 57756). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Coastal States Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Coastal States Bank's website and may change at any time. Confirm terms, minimums and eligibility with Coastal States Bank before opening an account. This page is not financial advice.