Coastal Community And Teachers Credit Union Has Top-Rate 12-Month CD


Deal Summary: 12-month CD Special, 2.27% APY, $5k minimum deposit.

Availability: Aransas, Duval, Jim Wells, Kleberg, Nueces, and San Patricio Counties, Texas.

Coastal Community and Teachers Credit Union (CCATCU) recently added a 12-month CD Special to its product line. Earning a competitive 2.27% APY, the 12-month CD Special requires a minimum $5k opening deposit.

I’ve had a run of bad luck lately determining Early Withdrawal Penalties (EWP) – either the CSRs don’t have the information or I’m given a ludicrous answer. (My favorite so far is, “I can’t tell you, because it changes every day.”) When I easily found the Truth-in-Savings disclosure on CCATCU’s website, I thought I was home free.

Then I read it.

Amount of Penalty. For Certificate accounts, the amount of early withdrawal
penalty for your account is 50% of the remaining days left and the original amount.

Actually, I read it several times. After not gaining any insight, I called CCATCU, twice. Neither CSR I spoke with could clarify the meaning of “50% of the remaining days left and the original amount.” Both suggested that I speak with a Financial Specialist, but my calls went to voice mail. I wasn’t able to call a branch directly, because the phone numbers listed for all the branches goes to a call center.

If you are interested in opening this CD Special, you should get clarification on the EWP from a CCATCU Financial Specialist. And please let me know what you find out.


Headquartered in Corpus Christi, Coastal Community and Teachers Credit Union’s field of membership (FOM) is primarily residency based, offering membership to individuals who live or work in the Texas Gulf Coast counties of Aransas, Duval, Jim Wells, Kleberg, Nueces, and San Patricio.

Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling and adoptive relationships) of current CCATCU membership are also eligible to join.

CCATCU’s How to Become a Member page lists more than 30 other ways to qualify for membership, including employment at 50+ companies, schools, and school districts.

Joining CCATCU and/or opening CD Special must be done in person at any of nine Texas branches, located in Alice, Corpus Christi (5), Freer, Kingsville, and Portland. CCATCU’s Membership Application is available for download to facilitate the application process.

Take the first step to becoming a member of our Credit Union family by
opening a savings account with only a $5 deposit and a one-time $5 fee.

Credit Union Overview

Coastal Community and Teachers Credit Union has an overall health grade of "A" at, with a Texas Ratio of 3.60% (excellent) based on September 30, 2019 data. In the past year, CCATCU has increased its total non-brokered deposits by $24.8 million, an excellent annual growth rate of 9.26%. Please refer to our financial overview of Coastal Community and Teachers Credit Union (NCUA Charter # 68482) for more details.

Chartered in 1965, Coastal Community and Teachers Credit Union is the 62nd largest credit union in Texas, with more than 37,200 members and assets in excess of $349 million. CCATCU is also one of the more socially active credit unions on the Texas Gulf Coast through its FOCUS (For Our Children’s Ultimate Success) Foundation. FOCUS was formed in January 2005 and has awarded more than $208k to over 100 schools and educational organizations in Aransas, Duval, Jim Wells, Kleberg, Nueces, and San Patricio Counties.

How the CD Special Compares

When compared to 237 similar length-of-term CDs tracked by that are available within the FOM and require a similar minimum deposit, Coast Community and Teachers Credit Union's 12-month CD Special APY currently ranks first.

The above rates are accurate as of 1/21/2020.

Looking for the best CD rates, either nationwide and state specific? Please refer to our CD Rates Table page.

Related Pages: Corpus Christi CD rates, 1-year CD rates

Coastal Community & Teachers CU (TX) Has 2 Reward Checking Accounts
Availability: Residents of Aransas, Duval, Jim Wells, Kleberg, Nueces, and San Patricio Counties, Texas.

Coastal Community and Teachers Credit Union (CCATCU) offers two Rewards Checking Accounts - REAL Checking and Bonu$ Checking, both of which earn 3.56% APY on qualifying balances up to $10k. Qualifying balances over $10k earn 0.50% APY, with non-qualifying balances earn 0.10% APY.

The only difference between the two accounts is that the REAL Checking account has a companion REAL Savings account that earns 0.75% APY on all balances.

The Bonu$ Checking is the older...

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High-Yield Reward Checking Account at Coastal Community and Teachers Credit Union in Texas - Local Only

Coastal Community and Teachers Credit Union is offering a high-yield reward checking account called Bonus Checking. It's another example of a low balance cap. However, the high rate helps offset this a bit. The account has the following rates and features if certain requirements are met (as of 11/23/2010):

  • 4.33% APY on balances up to $10,000
  • 1.00% APY on portion of balances over $10,000
  • 0.10% base rate if requirements are not met
  • ATM fee refunds nationwide

Monthly requirements include:

  • 10 VISA Check Card purchases
  • 1 ACH Direct Deposit or one ACH debit
  • Access online banking
  • Electronic statements
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5.98% 60-Month CD at a Texas CU (Coastal Community and Teachers)
Coastal Community and Teachers Credit Union has several high yield long term certificates. The best rates require a $95K minimum deposit. These include a 5.98% APY 60-month CD, a 5.90% APY 36-month CD, a 5.82% APY 24-month CD and a 5.71% APY 12-month CD. The rates are still very competitive for a lower $50K balance. These include a 5.71% APY 60-month CD, a 5.64% APY 36-month CD and a 5.56% APY 24-month CD.

The field of membership includes those who live and work in the Texas counties of Aransas, Duval, Jim...

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