Life is busy. Let’s make it easy. Enjoy all of the benefits of being a valued member, some that you may not even be aware of…in a single page. While some of these services may be offered directly through Coastal Wealth Management, available through CFS*, we will provide you the links to all the benefits available within the Coastal family.
Coastal Retirement Planning Program
Whether you are getting started saving for retirement or retirement is just around the corner, having a plan for retirement success is the most important step you can take. By working with an experienced Coastal Wealth Management advisor, available through CFS*, we can help get you on track and feel comfortable about your future.
When you engage in our Coastal Retirement Planning Program, available through CFS, you will receive an analysis similar to the following sample. In this example, our Coastal members are concerned about healthcare and have a goal to travel during their retirement years, while maintaining their desired retirement income (page 1). This analysis includes two “what if” scenarios using different investment return assumptions (pages 6 through 10). We will analyze all aspects of your current financial position to see if you are on track to achieve your financial goals, and we will create a personalized strategy just for you.
Take a look at one of our sample plans to get a glimpse of our retirement planning process.
Investments
We have access to hundreds of investment solutions for Coastal members from very conservative options with principal protection to long-term goal investments. Upon understanding your goals and risk tolerance, a Coastal Wealth Management advisor, available through CFS*, has the freedom to guide you to the solution that best fits your situation.
Life Insurance
At Coastal we have access to many insurance companies and different types of life insurance policies. This allows us to provide a life insurance plan that can help maximize coverage at the cost that fits your budget.
College Planning
A college education is one of the greatest gifts you can give a child or grandchild. While it’s best to start saving at a young age, we can help parents of any age student develop a college planning strategy.
Understanding the many types of accounts used to save for college costs is very important. Coastal Wealth Management can help you evaluate which account is best for your situation.
Elder Care Planning Program
To help our members and families through the aging process, Coastal offers a unique program with a network of industry experts who understand the value of credit union membership. We can help you put a plan in place for elder life care for you as well as for your aging loved ones to help ensure the right care is given with thoughtfulness and respect.
Long-Term Care Insurance
Coastal has partnered with top carriers in the LTC industry to help you protect your financial assets and preserve your lifestyle with proper planning.
So we may help you understand long-term care insurance, please take the opportunity to sit with one of our Coastal Wealth Management advisors to review your individual financial plan and explain the different types of coverage.
Trust & Estate Planning
There are several steps to ensure proper estate planning, including, but not limited to, wills, trusts, and powers of attorney. Coastal Wealth Management has created a network of partnerships with attorneys throughout our footprint who understand the value of credit union membership. They can provide professional legal services from simple wills to intricate estate planning, based on your individual needs.
Disability Insurance
Protect your paycheck! An average long term disability claim lasts 34.6 months. Could you support your family for that long without a paycheck?
Talk to a Coastal Wealth Management advisor today about how to protect your income.
Insurance Reviews
We serve as advocates for our members. We have industry experts with an objective point of view who can review your existing coverage to make sure it is appropriate and sufficient for your and your family’s protection. Remember, determining if you are carrying the right amount of life insurance is likely to fluctuate at different times in your life so a review can help determine whether your goals and current coverage are still aligned.
Accidental Death & Dismemberment
AD&D is a good supplement to your existing life insurance plan, enhancing your overall protection and adding coverage for specific serious injuries from accidents. There are no medical questions and acceptance is guaranteed if you are a credit union member over the age of 18. It is a fast and easy online application. In minutes, you can apply for no-cost coverage or add more coverage—right online.
MetLife Auto & Home
MetLife Auto & Home has been the leading at-work auto and home insurance carrier for more then 25 years. By using the Company Access Code of 317, you can enjoy the benefits of being a Coastal member. If you would like to work with a local agent to discuss all of your property and vehicle coverage needs – you may still enjoy the member discount, if applicable.
Daymark Realty
Daymark Realty is a wholly-owned subsidiary where Coastal members save an average of $4,000* over traditional commissions when selling a home and receive a cash rebate on purchases! The standard commission in the industry is 6% of the sale price. Coastal members benefit from a reduced commission rate of 4.5%. Our expert team of agents possess the knowledge and tools to get our members moving.
*Based on average sale price of $270,000
Seminars
Coastal Wealth Management offers free seminars on important financial topics to help you to make the best decisions during your lifetime.
Daymark Realty offers free seminars to help you make an informed decision. Whether you are looking to buy your first home or downsizing for your retirement, Daymark Realty’s informative seminars can prepare you to make the right choice.
Mortgages
Here’s how a mortgage from Coastal could help you bank better:
- Flexible terms and rate options help you get a mortgage to fit your budget and lifestyle
- Lower down payment requirements lower the barrier to homeownership for qualified borrowers
- Financing options available when you’re building your dream home or investing in a second property
Home Equity
Access up to 100% of your home’s equity
- Competitive rates help you get the most out of your equity
- Use money for major home improvements, college expenses or to consolidate high-interest debt
- Interest might be tax-deductible; consult your tax advisor for full details
- Both the Home Equity Loan and Home Equity Line of Credit are eligible for an annual Loyalty Bonus payout
Checking
Here’s how Coastal’s Checking Accounts can help you bank better:
- Earn a dividend rate as high as 2.25% APY*
- Manage your account easily through Digital Banking, Mobile Banking and Telephone Banking
- Choose an account with no annual fee and no minimum balance
- Access cash at more than 80,000 surcharge-free** ATMs nationwide
Savings
Here’s how a Coastal Savings Accounts can help you bank better:
- Get more out of your savings with competitive dividend rates and options that match your needs
- Savings balances make you eligible for an annual Loyalty Bonus payout, which has totaled $11.7 million paid to members since we started the program
- Make automatic savings deposits to stay on track with your goals.
Auto Loans
Here’s why an auto loan from Coastal can help you bank better:
- We work with you to create an auto loan that fits your budget
- Simple application and quick approval gets your financing in place before you visit the dealership
- Refinancing with Coastal guarantees you’ll save money
- We take the stress out of car-buying with AutoSMART
- This loan is eligible for an annual Loyalty Bonus payout
Student Services
Coastal Credit Union products and services for recent college graduates include:
- Savings Accounts – a solid start on your path to financial success
- New & Used Auto Loans – take the express lane to driver-friendly financing rates
- Rate Advantage Visa Credit Card – when you need a lower interest rate to consolidate debt
- Simple Checking – Life is easier when you keep things simple.
Business Services
Entrepreneurs are the backbone of the region’s economy. Here’s how Coastal Credit Union can help you and your business bank better:
- Business Visa credit card – the card that keeps pace with your growing business
- Small business loans – borrow money to buy equipment, acquire inventory or expand operations
- Business checking – supporting your business’ daily money management needs
Credit Cards
Here’s how a Coastal Credit Card can help you bank better:
- Choose a Visa that lets you rack up rewards points with everyday purchases
- Opt for a card with a low introductory rate to pay off debt quicker
- Get a business credit card with a fixed rate for purchases, balance transfers and cash advances
- All cards feature free fraud text alerts, EMV, and secure payment options Apple Pay™ and Visa Checkout
Small Business Insurance
Small Business Owners can now enjoy additional benefits for being a Coastal member. We are now offering Business Owners and Commercial Vehicle insurance through Met Life.
Discounted member rates, specifically tailored to the budget of a small business owner — for your building and business personal property, loss of income due to temporary shutdowns, and more, with optional coverages, such as Information Security Protection and Employment Practices Liability coverage.
Call today for your no obligation quote on your business. And all from a name you know, Met Life!
855-713-0404 (Exclusively for Coastal Members)!
Personal Loans
Here’s how a personal loan from Coastal can help you bank better:
- Competitive rates help you save money on interest
- Various terms can be adjusted to fit your budget
- Flexible financing can be applied to anything you need
- Simple application and quick closing delivers your loan faster
Financial Education Center
Control your finances with a wealth of knowledge.
Coastal Credit Union invests in educational materials for our members, and we partner with EverFi, a financial education leader, to provide access to our Financial Education Center. Use this free information to learn money basics or grasp more advanced concepts to help you improve your financial well-being.
GreenPath Financial Counseling
Here’s how GreenPath counseling could help you bank better:
- GreenPath Services is a nationally respected consulting organization that provides services to credit unions across the United States
- Coastal members can consult with GreenPath experts free of charge on topics including family budgeting and personal money management
- Should you encounter financial trouble, GreenPath can offer advice on repaying debts, understanding and improving your credit score, and avoiding foreclosures and bankruptcy
- Schedule appointments by calling (877)-337-3399 or visiting GreenPath’s website. (Counselors are available Monday through Thursday 8 a.m. to 10 p.m., Friday 8 a.m. to 7 p.m., and Saturday from 9 a.m. to 1 p.m.)
- Use our Member Assistance Program for payment assistance on Coastal loans
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Coastal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.