Term Shares & IRAs

Term Shares

Most financial institutions require a deposit of at least $1,000.00 to earn interest on a certificate of deposit. With Coast360 you have the opportunity to earn higher interest with as low as $500.00.

Special Term Share Promo
Effective Date: Dec. 1, 2023
Term	APY*
Minimum $2,500 required to establish account
6 months	5.35%
12 months	5.35%
18 months	5.35%

Term Shares
Effective Date: Feb. 6, 2023
Term	APY*
Minimum $500 required to establish account
3 months	0.40%
6 months	0.45%
9 months	0.50%
12 months	0.60%
18 months	0.60%
24 months	0.60%
36 months	0.75%
48 months	0.75%
60 months	0.95%
*APY is Annual Percentage Yield and is subject to change without notice.

Jumbo Term Shares
Effective Date: Feb. 6, 2023
Term	APY*
Minimum $100,000 required to establish account
3 months	0.45%
6 months	0.55%
9 months	0.55%
12 months	0.65%
18 months	0.65%
24 months	0.65%
36 months	0.80%
48 months	0.80%
60 months	1.00%
*APY is Annual Percentage Yield and is subject to change without notice.

Ready to open an account? Contact us to schedule your appointment or stop by any of our Coast360 locations.

IRAs

Looking forward to retirement? Be sure you’re prepared. We offer Traditional and ROTH IRA’s to help you start saving for retirement. We also offer an Educational IRA to help reduce the financial stress that comes with paying for college.

IRAs Traditional / ROTH / Coverdell ESA Savings Account
Effective Date: June 22, 2020
Dividend Rate	APY*	Min. Balance	Dividend Compounded	Dividend Period
0.25%	0.25%	$5.00	Daily	Quarterly
*APY is Annual Percentage Yield

IRA Term Shares

If you would like to see your IRAs gain more interest, consider opening an IRA Term Share.

Special IRA Term Share
Effective Date: Dec. 1, 2023
Term	APY*
Minimum $2,500 required to establish account
12 months	5.35%

IRA Term Shares
Effective Date: March 1, 2021
Term	APY*
IRAs Traditional / ROTH / Coverdell ESA
Minimum $500 required to establish account
12 months	0.60%
24 months	0.60%
36 months	0.75%
48 months	0.75%
60 months	0.95%
*APY is Annual Percentage Yield and is subject to change without notice.

IRA Jumbo Term Share
Effective Date: March 1, 2021
Term	APY*
IRA Jumbo Term Share Traditional / ROTH / Coverdell ESA
Minimum $100,000 required to establish account
12 months	0.65%
24 months	0.65%
36 months	0.80%
48 months	0.80%
60 months	1.00%
*APY is Annual Percentage Yield.

Special Term Share and IRA Term Share: *APY is Annual Percentage Yield as is effective 12/1/2023. All returned item fees and early account closure fees will apply. The minimum balance required to open this account is $2,500 and you must maintain the same minimum daily balance in your account each day to obtain the disclosed annual percentage yield. Dividends will be credited to your account at maturity. Early withdrawal penalties: If you withdraw any or all funds in this account before maturity, you will forfeit all dividends that have been earned on the account up to the date of withdrawal and effectuate the account closure. Terms and conditions apply. Coast360 membership is required.

The minimum balance required to open this account is $500 ($100,000 for a Jumbo Term Share) and you must maintain the same minimum daily balance in your account each day to obtain the disclosed annual percentage yield. Dividends will be credited to your account at maturity. Early withdrawal penalty: An early closure fee of $25 will apply to new accounts closed within 90 days from account opening. If your account has an original maturity of one year or less, the penalty we may impose will equal 30 days dividends on the amount withdrawn (full principal) plus the early account closure fee, if applicable. If your account has an original maturity of more than one year and up to three years, the penalty we may impose will equal 90 days dividends on the amount withdrawn (full principal) plus an early account closure fee, if applicable. If your account has an original maturity greater than three years, the penalty we may impose will equal 180 days dividends on the amount withdrawn (full principal) plus the early account closure fee, if applicable. Penalties and applicable fees will be deducted from the dividends earned up to the date of withdrawal and may reduce the principal balance of the account. Terms and conditions apply.

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