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  • There is only one reason why this is not five stars, lack of locations. The WT Harris location closed but their ATM is still fully functional and that is all I need. I've been with Coastal for 2 years now and have never had a problem. I went into the branch for a car loan and left with savings and checking account. At the time the checking accounts gave 5.25% APY on your checking account balance, far better than any savings account. Over the past two years that rate has dropped to 2.25%, which is still higher than most every savings account. Not only do you get an APY, but recently they changed their overdraft fees. If you go over by any amount you will be charges $0.01 if you deposit money correcting the negative balance by 11:00PM that day or if its less than $10 overdraft. Their customer service is great. They have a 24 hour calling center located in Raleigh NC and anytime I've had a problem they've fixed it immediately. Again locations is the problem, there are NO Coastal Federal CU's in Charlotte or anywhere near. You can do whatever you need to do at credit unions in their network such as Truliant, Premier, Piedmont. Too bad ya don't have more around Coastal!
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