Source: https://www.coastal24.com/products/checking-savings/certificates Read: 2026-10-22T10:08:15.000Z Skip to Main Content Navigate to Sitemap Skip to Online Banking Products Membership Benefits Resources About Become a Member LOG IN Search Certificates Grow your savings with confidence in North Carolina Certificates are a smart investment that always keeps growing. Scroll to choose section Start saving with a certificate. Open Today Schedule Appointment Certificate Rates Choose from a range of terms to fit your saving strategy. Minimum deposits start at just $250. Open Today Terms | Minimum Deposit | Dividend Rate | APY | Effective Date 6-Month 19 | $250 | 3.93% | 4.00% | 07/14/2026 12-Month 19 | $250 | 4.07% | 4.15% | 09/28/2026 15-Month Jumbo 19 | $100,000 | 4.12% | 4.20% | 09/28/2026 18-Month 19 | $250 | 4.03% | 4.10% | 06/22/2026 24-Month 19 | $250 | 4.17% | 4.25% | 09/01/2026 27-Month Jumbo 19 | $100,000 | 4.31% | 4.40% | 09/28/2026 36-Month 19 | $250 | 3.93% | 4.00% | 09/28/2026 48-Month 19 | $250 | 4.03% | 4.10% | 09/28/2026 60-Month 19 | $250 | 4.41% | 4.50% | 09/28/2026 Our Certificates are the secure and smart path to more savings. Low Entry, High Rewards Start with as little as $250 and watch your savings grow. Guaranteed Returns Enjoy peace of mind with fixed rates. Your returns are locked in, regardless of market fluctuations. Daily Compounding Dividends Your money works harder with dividends that compound daily, not monthly or yearly. Hassle-Free Renewal Post-maturity, your certificate automatically renews (unless you tell us otherwise), ensuring continuous growth. We also give you a 7-day grace period to make changes if needed.19 Zero Maintenance Fees We keep it simple – no hidden costs, just pure savings. Open Today Visit a Branch Our IRA Certificates let you enjoy all the great features of our Certificates with added retirement benefits, including: Tax-Advantaged Savings Enhance your retirement plan with IRA Certificates, offering tax benefits and stable growth.16 Future-Proof Your Retirement Choose IRA Certificates as a prudent addition to diversify your retirement portfolio. Flexible Terms Align your retirement goals with our range of terms, maximizing your potential earnings. Learn More Get personalized planning for a more secure future. Featuring: Holistic Retirement Strategies Let our CFS advisors craft a customized plan that aligns with your retirement aspirations. Adaptive Planning Life changes, and so should your retirement plan. We'll help you stay on track, adjusting as needed. Complimentary Sessions Benefit from a no-cost retirement planning session with a financial advisor, to help ensure your retirement goals are within reach.21 Connect with an Advisor Learn More Explore More Savings Options Want to learn more about Coastal Credit Union’s savings account options? Give us a call or visit us in person at one of our North Carolina branches. Frequently asked questions about our Certificates. Filter by: Category Category What is the minimum deposit to open a certificate? Can I designate a beneficiary for my certificates? Can I add funds to a certificate once it's opened? How are dividends on certificates calculated and paid out? How will I be notified when my certificate matures? What are the penalties for early withdrawal? Membership eligibility requirements apply. 16 Please consult your tax advisor for additional tax information. 19 APY = Annual Percentage Yield. A minimum balance of $250 (or $100,000 for the 15- and 27-month Jumbo Certificates) is required to earn the stated APY. Fees may reduce earnings on the account. The APY and dividend rates are fixed at the time of account opening and will remain in effect until the maturity date. A penalty may apply for early withdrawal. APY is accurate as of the last dividend declaration date. Certificates will automatically renew to the same term at maturity. You have a seven-day grace period after the maturity date to withdraw your funds without penalty. Certificate holders are notified via USPS mail or email approximately 20 days before renewal. To change the certificate term at maturity, please visit a branch, call 800-868-4262, or send a secure message through online banking. 21 Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA / SIPC). Insurance products are offered through LPL or its licensed affiliates. Coastal Credit Union and Coastal Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Coastal Wealth Management and may also be employees of Coastal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Coastal Credit Union or Coastal Wealth Management. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value Get started with Coastal Become a Member PRODUCTS Checking Accounts Savings Certificates Wealth Management HELOCs Mortgages First-Time Homebuyers Daymark Realty Credit Cards Auto Loans Personal Loans Find Car Dealer Business Checking Business Visa Business Loans COMPANY Careers Pressroom Blog Events Diversity, Equity, Inclusion and Belonging Our Values Our Leadership The Coastal Difference LEGAL Accessibility Privacy Policy SMS/Text Alerts Terms and Conditions Cookies Policy Terms of Use Forms/Disclosures QUESTIONS FAQs Contact Us Connect with us on Facebook Connect with us on Twitter Connect with us on Instagram Connect with us on YouTube Connect with us on LinkedIn Get the Coastal App! Scan this code with your phone's camera to download the app Federally Insured by NCUA. Rates are current as of October 2026 unless otherwise noted and are subject to change. Routing Number 253175494 NMLS Number 619449 © 2026 Coastal Federal Credit Union | Sitemap