Credit union · NCUA insured
Coastal1 Credit Union CD Rates
Top CarrotCoastal1 Credit Union’s best CD rate is 4.25% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Coastal1 Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Coastal1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Coastal1 Credit Union
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Certificate Of Deposit
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Coastal1 Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.25%
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 Coastal1 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.
Certificate Of Deposit
Up to 4.25%APY · 15 terms
Minimum deposit to open $1,000. Interest credited monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 4 months | 3.75% | $123 |
| 5 months | 4.00% | $165 |
| 6 months | 2.80% | $139 |
| 9 months | 3.00% | $224 |
| 9 monthsBump up CD. All funds deposited must be New Money (funds not on deposit with Coastal1 Credit Union) | 4.00% | $299 |
| 12 months | 2.85% | $285 |
| 13 monthsAll funds deposited must be New Money (funds not on deposit with Coastal1 Credit Union). Up to 2 additional deposits during term. Each additional deposit must be a minimum of $10,000 in NEW Money (funds not currently on deposit with Coastal1) | 4.25% | $461 |
| 17 months | 4.00% | $571 |
| 18 months | 2.50% | $377 |
| 22 monthsBump-up feature allows one rate change during the initial term to the then offered rate for certificates of like term. Original maturity date remains in effect | 3.50% | $651 |
| 24 months | 2.75% | $558 |
| 30 monthsBump-up feature allows one rate change during the initial term to the then offered rate for certificates of like term. Original maturity date remains in effect | 2.75% | $702 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Special-purpose accounts
IRA Certificate Of Deposit
Up to 4.25%APY · 15 terms
Minimum deposit to open $500. Traditional, Roth and Education (Coverdell ESA) IRAs available. Visit local branch to open an IRA account. Early withdrawal penalties apply (see plan disclosure if this account is part of an IRA or other tax qualified plan).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 4 months | 3.75% | $123 |
| 5 months | 4.00% | $165 |
| 6 months | 2.80% | $139 |
| 9 months | 3.00% | $224 |
| 9 monthsBump up CD. All funds deposited must be New Money (funds not on deposit with Coastal1 Credit Union) | 4.00% | $299 |
| 12 months | 2.85% | $285 |
| 13 monthsAll funds deposited must be New Money (funds not on deposit with Coastal1 Credit Union). Up to 2 additional deposits during term. Each additional deposit must be a minimum of $10,000 in NEW Money (funds not currently on deposit with Coastal1) | 4.25% | $461 |
| 17 months | 4.00% | $571 |
| 18 months | 2.50% | $377 |
| 22 months | 3.50% | $651 |
| 24 months | 2.75% | $558 |
| 30 monthsBump-up feature allows one rate change during the initial term to the then offered rate for certificates of like term. Original maturity date remains in effect | 2.75% | $702 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Who can join Coastal1 Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.