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Coast Line Credit Union's rates

SAVINGS & CHECKING ACCOUNTS
Effective Date: Tuesday, November 5th, 2024
Non-Term AccountsDaily BalanceDividend RateAnnual Percentage Yield (APY)
Share Savings $0.01 and above 0.100% 0.10%
Money Market $2,500.00 - $9,999.99 0.995% 1.00%
  $10,000.00 - $49,999.99 1.500% 1.51%
  $50,000.00 - $99,999.99 2.227% 2.25%
  $100,000.00 and above 2.716% 2.75%
Personal Checking $0.01 and above 0.025% 0.025%
Club Accounts $0.01 and above 0.100% 0.10%
IRA Savings $0.01 and above 0.747% 0.75%
IRA Money Market $10,000.00 - $49,999.99 1.736% 1.75%
  $50,000.00 and above 2.227% 2.25%
Minimum amount required to open membership is $5.00
Minimum amount to open Money Market Share is $2,500.00
Minimum amount to open IRA Share is $50.00
Minimum amount to open IRA Money Market is $10,000.00

CERTIFICATE ACCOUNTS
Effective Date: Tuesday, November 5th, 2024
Minimum BalanceTermTypeDividend RateAnnual Percentage Yield (APY)
$2,000 6 Months Fixed 4.169% 4.25%
$2,000 1 Year Fixed 3.687% 3.75%
$2,000 2 Years Fixed 3.008% 3.05%
$2,000 3 Years Fixed 3.057% 3.10%
$2,000 4 Years Fixed 3.105% 3.15%
$2,000 5 Years Fixed 3.203% 3.25%
$2,000 9 Months Fixed 3.977% 4.05%
$2,000 15 Months Fixed 3.928% 4.00%
$2,000 25 Months Fixed 3.494% 3.55%
$2,000 45 Months Fixed 3.300% 3.35%

IRA Certificates
Effective Date: Tuesday, November 5th, 2024
Minimum BalanceTermTypeDividend RateAnnual Percentage Yield (APY)
$2,000 6 Months Fixed 4.169% 4.25%
$2,000 1 Year Fixed 3.687% 3.75%
$2,000 2 Years Fixed 3.494% 3.55%
$2,000 3 Years Fixed 3.057% 3.10%
$2,000 4 Years Fixed 3.300% 3.35%
$2,000 5 Years Fixed 3.203% 3.25%
Notice: Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Fees incurred may reduce earnings on any of these accounts. Contact Coast Line Credit Union for an Agreement and Truth In Savings Disclosure regarding these accounts. For all applicable fees, please contact Coast Line Credit Union for a Schedule of Fees and Charges.

AUTO LOANS
Effective Date: Tuesday, November 5th, 2024
Model YearTermAPR*
2021 and Newer 24 months As low as 4.74%
  36 months As low as 4.74%
  48 months As low as 4.74%
  60 months As low as 4.99%
  66 months As low as 5.49%
  72 months As low as 5.74%
  84 months As low as 6.24%
 
2019/2020 24 months As low as 4.74%
  36 months As low as 4.74%
  48 months As low as 4.74%
  60 months As low as 4.99%
  66 months As low as 5.49%
  72 months As low as 5.74%
 
2017/2018 24 months As low as 4.99%
  36 months As low as 4.99%
  48 months As low as 4.99%
  60 months As low as 5.24%
 
2016 24 months As low as 5.99%
  36 months As low as 5.99%
  48 months As low as 6.24%
 
2015 24 months As low as 5.99%
  36 months As low as 5.99%
 
2014 24 months As low as 5.99%

RECREATIONAL VEHICLE LOANS
Effective Date: Tuesday, November 5th, 2024
Loan AmountTermAPR*
(Motor Homes, Boats, Motorcycles, Snowmobiles, Travel Trailers & Special Interest Auto)
$15,000 Up to 144 months As low as 8.75%
$10,000 Up to 120 months As low as 8.25%
$8,000 Up to 84 months As low as 6.75%
$2,000 Up to 60 months As low as 5.75%

Personal Loans
Effective Date: Tuesday, November 5th, 2024
Loan AmountTermAPR*
$2501 and Over 60 months As low as 9.74%
  48 months As low as 9.49%
  36 months As low as 8.49%
  30 months As low as 8.20%
  24 months As low as 7.95%
  18 months As low as 7.85%
  12 months As low as 7.75%
 
$2001 - $2500 36 months As low as 8.49%
  30 months As low as 8.20%
  24 months As low as 7.95%
  18 months As low as 7.85%
  12 months As low as 7.75%
 
$1501 - $2000 30 months As low as 8.20%
  24 months As low as 7.95%
  18 months As low as 7.85%
  12 months As low as 7.75%
 
$1000 - $1500 24 months As low as 7.95%
  18 months As low as 7.85%
  12 months As low as 7.75%
 
$500 - $999 12 months As low as 7.75%

Share Secured Loans
Effective Date: Tuesday, November 5th, 2024
TermAPR*
Up to 60 Months 4.25% APR

Home Equity Line-of-Credit
Effective Date: Tuesday, November 5th, 2024
Loan TypeMarginDaily Periodic RateAnnual Percentage Rate
Up to 85% LTV Financing Available
Home Equity Line Variable Rate 0.00% 0.021918%** 8.00%**
**APR and DPR subject to change based on market conditions. Maximum APR 18%. Minimum APR 4.00%. Some restrictions apply.

Fixed Rate Home Equity
Effective Date: Tuesday, November 5th, 2024
Loan TypeMarginDaily Periodic RateAnnual Percentage Rate
Up to 85% Financing Available
Term up to 60 months n/a 0.016781% 6.125%
Term from 61 months to 120 months n/a 0.018493% 6.75%
Term from 121 months to 180 months n/a 0.018836% 6.875%

CERTIFICATE SECURED

The ANNUAL PERCENTAGE RATE (APR) for certificate secured advances will be the dividend rate being paid on the certificate offered as security plus 4.00%. The advance will be made for the length of the certificate only. The (APR) and Daily Periodic Rate will be disclosed at time of advance.

CONVENTIONAL MORTGAGES

Coast Line Credit Union offers a variety of mortgage products to meet our members needs. Please contact any Coast Line loan officer for current rates and product details.

Safety and Security

All Coast Line CU savings accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

*Annual Percentage Rate (APR) for the loans mentioned above will vary based on credit score, collateral age (if applicable) and term of loan. We use risk-based pricing to determine the interest rate. Please contact our loan department at (207)799-7245 for details.

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