Coastline Federal Credit Union

Coastline Federal Credit Union Locations

4651 Emerson Street
Jacksonville, FL 32207
904-346-1700
www.coastlinefcu.org

NCUA

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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.

Survey of the Best Local CD Rates in San Bernardino, Jacksonville, Little Rock and Other Cities - 5/27/2011

Most of the CD rates held up well since last week . Two exceptions were two New York City credit unions (Montauk and Bay Ridge). Montauk's 3-year and 7-year CD rates fell by 25 basis points, and Bay R ...

Competitive 5-Year CD Rate at Coastline Federal Credit Union in North Florida - Local Only - 5/24/2011

Many banks and credit unions provide little or no rewards for large deposits. For the banks that do offer a little more on their Jumbo CDs, it’s rarely more than 5 or 10 basis points. That&rsquo ...

3.75% Jumbo 60-Month CD at Coastline FCU in North Florida - Local Only - 12/21/2009

Coastline Federal Credit Union is offering a 3.75% APY on its Jumbo 60-month CD with a $75,000 minimum deposit. This is also available in an IRA, but with only a $1,000 minimum. For the regular CD, the rate goes way down for small balances (2.50% APY for...

4.50% 14-Month CD at a North Florida CU (Coastline). - 2/22/2008

Update 3/8/08: The special CD has expired.Coastline Federal Credit Union is offering a special 4.50% APY 14-month CD. The minimum deposit is $500. The offer expires February 29, 2008.There's also a special 4.22% APY 12-month CD. I'm not sure why anyone...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Coastline Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	2.50%	-	$5k	Kasasa Cash

Coastline Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	-	$5k	Kasasa Saver
0.62%	-	-	IRA Savings
0.35%	-	-	Health Savings Account
0.03%	-	-	Share Savings
0.03%	-	-	Custom Shares
0.03%	-	-	Christmas Club

Coastline Federal Credit Union Money Market Rates

Apy	Min	Max	Product
0.50%	$150k	-	High Yield Money Market Account
0.30%	$75k	-	Money Market Account

Coastline Federal Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$75k	-	60 Month Jumbo Share Certificate
1.50%	$40k	-	60 Month Petite Share Certificate
1.25%	$1k	-	60 Month Regular Share Certificate
1.25%	$75k	-	48 Month Jumbo Share Certificate
1.15%	$40k	-	48 Month Petite Share Certificate
1.00%	$1k	-	48 Month Regular Share Certificate
1.00%	$75k	-	36 Month Jumbo Share Certificate
0.75%	$40k	-	36 Month Petite Share Certificate
0.75%	$75k	-	24 Month Jumbo Share Certificate
0.59%	$1k	-	36 Month Regular Share Certificate
0.50%	$40k	-	24 Month Petite Share Certificate
0.50%	$75k	-	12 Month Jumbo Share Certificate
0.40%	$1k	-	24 Month Regular Share Certificate
0.40%	$40k	-	12 Month Petite Share Certificate
0.29%	$200	-	12 Month Sand Dollar Club Share Certificate
0.29%	$200	-	12 Month Wave Riders Club Share Certificate
0.29%	$1k	-	12 Month Regular Share Certificate
0.19%	$1k	-	6 Month Regular Share Certificate
0.15%	$1k	-	3 Month Regular Share Certificate

Coastline Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$1k	-	60 Month IRA Share Certificate
1.25%	$1k	-	48 Month IRA Share Certificate
1.00%	$1k	-	36 Month IRA Share Certificate
0.75%	$1k	-	24 Month IRA Share Certificate
0.50%	$1k	-	12 Month IRA Share Certificate

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

COASTLINE
NCUA #	1115
BankRate Report	View
Year Chartered	1936
Employees	39
Primary Regulator
Assets and Liabilities
Assets	$121.70 million
Loans	$70.50 million
Deposits	$111.13 million
Equity Capital	$9.70 million
Loan Loss Allowance	$784,000
Unbacked Noncurrent Loans	$723,000
Real Estate Owned	$190,000
Historic Data - December 2011
Assets	$123.12 million
Equity Capital	$10.15 million
Loan Loss Allowance	$817,000
Unbacked Noncurrent Loans	$1.28 million
Real Estate Owned	$64,000
Profit Margin - Quarterly
Net Interest Margin	3.9%
Return on Assets	-0.45%
Return on Equity	-5.62%
Interest Income	$3.91 million
Non-Interest Income	$2.40 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Coastline Federal Credit Union had $913,000 in non-current loans and owned real-estate with $10.48 million in equity and loan loss allowances on hand to cover it. This gives Coastline Federal Credit Union a Texas Ratio of 8.71% which is above average. 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 decreased slightly from 12.28% as of December 31, 2011 to 8.71% as of December 31, 2012, resulting in a positive change of 29.06%.This indicates that the balance sheet and financial strength for Coastline Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Coastline Federal Credit Union has decreased its total deposits by $-533,000, resulting in -0.48% 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 average.
Capitalization
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 $121.7 million in assets with $10.48 million in equity, resulting in a capitalization level of 8.61%, which is average.