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Overview / Commentary
4651 Emerson St
Jacksonville, FL 32207

Coastline Federal Credit Union is a full–service, not–for–profit financial cooperative. They provide personal banking services but, unlike a bank, they're owned by their account holders — members like you! their goal is to be better than a bank by delivering outstanding service, competitive savings yields, low loan rates, and many low and no–cost services. Their Board of Directors is made up of unpaid volunteers who spend countless hours ensuring the safety and stability of your money in the Credit Union.

Their Credit Union philosophy is "people helping people," which translates into exceptional service, competitive and affordable financial products, and assistance from staff and management who care about you. These benefits are what make Coastline Federal Credit Union stand out as one of Jacksonville’s best financial service values, and why thousands of area residents have joined them.

Field of Membership Restrictions

If you live, work, worship or attend school in Baker, Clay, Duval, Nassau or St. John's County If you are related to anyone who is presently a member If you live in the same household as a current member - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Coastline Federal Credit Union had $855,000 in non-current loans and owned real-estate with $10.89 million in equity and loan loss allowances on hand to cover it. This gives Coastline Federal Credit Union a Texas Ratio of 7.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Coastline Federal Credit Union experienced no significant changes from 4.88% as of March 31, 2013 to 7.85% as of March 31, 2014, resulting in a negative change of 61.02%. This indicates that the balance sheet and financial strength for Coastline Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Coastline Federal Credit Union has increased its total deposits by $299,000, resulting in 0.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Coastline Federal Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Coastline Federal Credit Union has $130.74 million in assets with $10.89 million in equity, resulting in a capitalization level of 8.33%, which is average.

Institution Statistics

NCUA #1115
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$130.74 million
Loans$82.16 million
Deposits$118.73 million
Equity Capital$10.31 million
Loan Loss Allowance$579,000
Unbacked Noncurrent Loans$800,000
Real Estate Owned$55,000
Historic Data - March 2013
Assets$130.27 million
Equity Capital$10.03 million
Loan Loss Allowance$656,000
Unbacked Noncurrent Loans$800,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.88%
Return on Assets0.39%
Return on Equity4.89%
Interest Income$944,000

Always verify rates and promotions with the bank or credit union. We are not Coastline Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Coastline Federal Credit Union Savings Account Rates

0.75%-$5kKasasa Saver - Qualifying
0.52%--IRA Savings
0.35%--Health Savings Account
0.03%--Share Savings
0.03%--Custom Shares
0.03%--Christmas Club
0.01%--Kasasa Saver - Non Qualifying

Coastline Federal Credit Union Money Market Rates

0.50%$150k-High Yield Money Market Account
0.30%$75k-Money Market Account

Coastline Federal Credit Union Checking Account Rates

2.50%-$5kKasasa Cash - Qualifying
0.01%--Kasasa Cash - Non Qualifying

Coastline Federal Credit Union CD Rates

1.75%$75k-60 Month Jumbo Share Certificate
1.51%$40k-60 Month Petite Share Certificate
1.41%$1k-60 Month Regular Share Certificate
1.25%$75k-48 Month Jumbo Share Certificate
1.21%$40k-48 Month Petite Share Certificate
1.11%$1k-48 Month Regular Share Certificate
1.06%$75k-36 Month Jumbo Share Certificate
0.95%$40k-36 Month Petite Share Certificate
0.92%$1k-36 Month Regular Share Certificate
0.80%$75k-24 Month Jumbo Share Certificate
0.75%$40k-24 Month Petite Share Certificate
0.70%$1k-24 Month Regular Share Certificate
0.70%$75k-12 Month Jumbo Share Certificate
0.65%$40k-12 Month Petite Share Certificate
0.59%$1k-12 Month Regular Share Certificate
0.34%$1k-6 Month Regular Share Certificate
0.29%$200-12 Month Sand Dollar Club Share Certificate
0.29%$200-12 Month Wave Riders Club Share Certificate
0.20%$1k-3 Month Regular Share Certificate

Coastline Federal Credit Union IRA Rates

1.75%$1k-60 Month IRA Share Certificate
1.25%$1k-48 Month IRA Share Certificate
1.06%$1k-36 Month IRA Share Certificate
0.80%$1k-24 Month IRA Share Certificate
0.70%$1k-12 Month IRA Share Certificate

Coastline Federal Credit Union Locations
Branch Office550 Dundas DrJacksonville, FL 32218
Branch Office6735 Southpoint Dr SJacksonville, FL 32216
Branch Office500 Water StJacksonville, FL 32202
Branch Office4651 Emerson StJacksonville, FL 32207