Credit union · NCUA insured
Coastal Credit Union CD Rates
Top CarrotCoastal Credit Union’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Coastal Credit Union’s CD rates compare
Compared with banks and credit unions near Raleigh, NC, where Coastal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,462
Certificates
Top rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
3rd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Coastal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Coastal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.50%APY · 9 terms
Fixed rate locked for term. Dividends compound daily. Automatically renews at maturity with a 7-day grace period. Early withdrawal penalty applies. Must maintain membership share in Primary Savings.
| Term | APY · $250 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 6 months | 4.00% | — | 4.00% | $198 |
| 12 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 12 months | 4.15% | — | 4.15% | $415 |
| 15 monthsJumbo certificate requiring a minimum balance of $100,000 to earn stated APY. Fixed rate for 15 months | — | 4.20% | —4.20% from $100k | — |
| 18 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 18 months | 4.10% | — | 4.10% | $621 |
| 24 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 24 months | 4.25% | — | 4.25% | $868 |
| 27 monthsJumbo certificate requiring a minimum balance of $100,000 to earn stated APY. Fixed rate for 27 months | — | 4.40% | —4.40% from $100k | — |
| 36 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 36 months | 4.00% | — | 4.00% | $1,249 |
| 48 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 48 months | 4.10% | — | 4.10% | $1,744 |
| 60 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 60 months | 4.50% | — | 4.50% | $2,462 |
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 9 terms
Tax-advantaged retirement certificate available in Traditional, Roth, or SEP IRA. Fixed rate for certificate term. Early withdrawal penalties apply. Must maintain membership share in Primary Savings.
| Term | APY · $250 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 6 months | 4.00% | — | 4.00% | $198 |
| 12 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 12 months | 4.15% | — | 4.15% | $415 |
| 15 monthsJumbo IRA certificate requiring a minimum balance of $100,000 to earn stated APY. Fixed rate for 15 months | — | 4.20% | —4.20% from $100k | — |
| 18 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 18 months | 4.10% | — | 4.10% | $621 |
| 24 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 24 months | 4.25% | — | 4.25% | $868 |
| 27 monthsJumbo IRA certificate requiring a minimum balance of $100,000 to earn stated APY. Fixed rate for 27 months | — | 4.40% | —4.40% from $100k | — |
| 36 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 36 months | 4.00% | — | 4.00% | $1,249 |
| 48 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 48 months | 4.10% | — | 4.10% | $1,744 |
| 60 monthsMinimum balance of $250 required to earn stated APY. Fixed rate for 60 months | 4.50% | — | 4.50% | $2,462 |
Who can join Coastal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.