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Savings Rates

All Coastal rates are effective as of today.

Savings Rates*
Last Changed: 05/01/08
Product Type Minimum Deposit Dividend Rate APY
Savings $25.00 1.00%  1.00% 
Special Savings $1.00 1.00%  1.00% 
Checking - Basic $1.00
Checking - Go Green $1.00 up to $50,000 4.90% 5.01% 
Checking - Dividend $1.00 0.60%  0.60% 
Money Market $5,000 1.24%  1.25% 
Money Market $25,000 2.96%  3.00% 
Christmas Savings 1.00%  1.00% 
IRA Savings Account 2.47%  2.50% 
Health Savings Account (HSA) $1.00 4.89%  5.00% 

Certificate Rates**
Last Changed: 05/01/08
Print this page. Printable Version
Certificate Terms Minimum Deposit Dividend Rate APY
182-Day $500 3.20%  3.25% 
  $10,000 3.25%  3.30% 
  $50,000 3.30%  3.35% 
  $100,000 3.39%  3.45% 

12-23 Month $500 3.20%  3.25% 
  $10,000 3.25%  3.30% 
  $50,000 3.30%  3.35% 
  $100,000 3.39%  3.45% 

24-35 Month $500 3.34%  3.40% 
  $10,000 3.39%  3.45% 
  $50,000 3.44%  3.50% 
  $100,000 3.54%  3.60% 

36-47 Month $500 3.44%  3.50% 
  $10,000 3.49%  3.55% 
  $50,000 3.54%  3.60% 
  $100,000 3.63%  3.70% 

48-59 Month $500 3.68%  3.75% 
  $10,000 3.73%  3.80% 
  $50,000 3.78%  3.85% 
  $100,000 3.87%  3.95% 

60-Month $500 3.92%  4.00% 
  $10,000 3.97%  4.05% 
  $50,000 4.02%  4.10% 
  $100,000 4.07%  4.15% 

7-90 day Mini Jumbo $50,000 3.15%  3.20% 
Special 12-Month Student $100 3.92%  4.00% 


IRA Certificate Rates***
Last Changed: 05/01/08
IRA Certificate Terms Minimum Deposit Dividend Rate APY
182-Day $500 3.20%  3.25% 
  $10,000 3.25%  3.30% 
  $50,000 3.30%  3.35% 
  $100,000 3.39%  3.45% 

12-23 Month $500 3.20%  3.25% 
  $10,000 3.25%  3.30% 
  $50,000 3.30%  3.35% 
  $100,000 3.39%  3.45% 

24-35 Month $500 3.34%  3.40% 
  $10,000 3.39%  3.45% 
  $50,000 3.44%  3.50% 
  $100,000 3.54%  3.60% 

36-47 Month $500 3.44%  3.50% 
  $10,000 3.49%  3.55% 
  $50,000 3.54%  3.60% 
  $100,000 3.63%  3.70% 

48-59 Month $500 3.68%  3.75% 
  $10,000 3.73%  3.80% 
  $50,000 3.78%  3.85% 
  $100,000 3.87%  3.95% 

60-Month $500 3.92%  4.00% 
  $10,000 3.97%  4.05% 
  $50,000 4.02%  4.10% 
  $100,000 4.07%  4.15% 

Special 24-Month (ADD ON**) $500 3.68%  3.75% 
7-90 day Mini Jumbo $50,000 3.15%  3.20% 

*Savings rates are subject to change daily. All member deposits are insured to $100,000 (funds in IRA accounts are eligible for separate insurance protection up to $250,000 and joint accounts are eligible for separate insurance protection up to $200,000) by the National Credit Union Administration, an agency of the United States Government. Dividends are based on the Credit Union's earnings at the end of a dividend period and thus cannot be guaranteed. Note: APY means Annual Percentage Yield. On certificate accounts the Credit Union may impose a penalty for early withdrawal. Fees may reduce earnings on accounts. Dividends may be forfeit if an account is closed before accrued dividends are credited. ** For additional IRA certificate rates, see certificate account rates above. Dividend Checking service charges waived if total aggregate in savings, IRA and certificates equal $1,000 or more.

**Early withdrawals from certificate accounts are subject to Credit Union penalty. All Savings and Certificate products are federally insured up to $100,000 by NCUA* Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. NCUA is the National Credit Union Administration, an agency of the United States government.

***Early withdrawals from certificate accounts are subject to Credit Union penalty. **The Special 24 month Add-On IRA certificate offers a unique add-on feature which allows you to make additional deposits, i.e., new contributions (IRS contribution rules still may apply), rollovers, transfers, etc., throughout the duration of the 24 month term. Funds in IRA accounts are eligible for separate insurance protection up to $250,000 and joint accounts are eligible for separate insurance protection up to $200,000) by NCUA. Dividends are based on the Credit Union's earnings at the end of a dividend period, therefore they cannot be guaranteed. *APY means Annual Percentage Yield.

Related Links:
Compare Savings Rates (pdf)
Savings
Certificates


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Members' accounts are insured by the National Credit Union Administration (NCUA) up to $100,000 (IRA accounts are insured up to $250,000). Equal Housing Lender. Penalty for early withdrawal from Certificate Accounts. Rates subject to change daily. Terms and Conditions do apply. » indicates a 3rd party link. © 2008 Coastal Federal Credit Union All rights reserved.
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