| SAVINGS & CHECKING ACCOUNTS |
| Effective Date: Saturday, December 21st, 2024 |
| Non-Term Accounts | Daily Balance | Dividend Rate | Annual 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% |
0.03% |
| 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: Saturday, December 21st, 2024 |
| Minimum Balance | Term | Type | Dividend Rate | Annual 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: Saturday, December 21st, 2024 |
| Minimum Balance | Term | Type | Dividend Rate | Annual 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: Saturday, December 21st, 2024 |
| Model Year | Term | APR* |
| 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% |
| |
| 2018-2020 |
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% |
| |
| 2015-2017 |
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% |
| |
| 2014 |
24 months |
As low as 5.99% |
| |
36 months |
As low as 5.99% |
| |
48 months |
As low as 6.24% |
| |
| 2013 |
24 months |
As low as 6.24% |
| |
36 months |
As low as 6.49% |
| |
| 2012 |
24 months |
As low as 6.74% |
| RECREATIONAL VEHICLE LOANS |
| Effective Date: Saturday, December 21st, 2024 |
| Loan Amount | Term | APR* |
| (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: Saturday, December 21st, 2024 |
| Loan Amount | Term | APR* |
| $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: Saturday, December 21st, 2024 |
| Term | APR* |
| Up to 60 Months |
4.25% APR |
| Home Equity Line-of-Credit |
| Effective Date: Saturday, December 21st, 2024 |
| Loan Type | Margin | Daily Periodic Rate | Annual Percentage Rate |
| Up to 85% LTV Financing Available |
| Home Equity Line Variable Rate |
0.00% |
0.020548%** |
7.50%** |
| **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: Saturday, December 21st, 2024 |
| Loan Type | Margin | Daily Periodic Rate | Annual 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% |
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.
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.
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.
