Coastal1 Credit Union Mortgage Rates

Current posted rates

Scraped weekly from Coastal1 Credit Union's public rate sheet. Lowest purchase rate per product shown.

Posted rates are Coastal1 Credit Union's advertised numbers and assume their fine-print conditions (credit, LTV, points). "Est. 5-yr cost" = points paid upfront plus principal & interest over 5 years on a $400,000 loan, so you can compare a rate's true cost including its points — use the calculator for your own numbers. Your quote may differ. Not financial advice.

How to actually get this rate

A posted rate is a starting point, not a guarantee. Here's the real path.

1. 1
   Confirm you can join Coastal1 Credit Union

   You must be a member to get a loan. Check the eligibility path — many credit unions let anyone join through a small association donation.

2. 2
   Get pre-approved — and shop 2–3 lenders

   Pre-approval tells you the rate youactually qualify for (the posted rate assumes strong credit and 20% down). It doesn't lock you in or cost anything, and rate-shopping within a ~45-day window counts as a single credit inquiry — so get quotes from this credit union and a couple of others before deciding.

3. 3
   Have your paperwork ready

   Speeds up pre-approval: recent pay stubs (last 30 days), W-2s and tax returns (last 2 years), bank/asset statements (last 2 months), and a photo ID. Self-employed? Add profit-and-loss statements.

Got a quote already? See how it compares to real borrowers — or use the calculator to price your monthly payment. Not financial advice.

Where you can join