Home Equity  Rates

Rates are subject to change without notice. Interest rate will be determined by individual creditworthiness.

†Advertised introductory rate of 5.99% is the lowest available and is fixed for the first 12 months. Rate variable based on the Wall Street Journal Prime Rate (Prime) + a margin (determined by individual creditworthiness and loan-to-value ratio), with a floor of 4.00%. APR available for qualifying properties with a loan-to-value (LTV) of 80% or less. Credit Scores of 700+ will receive a margin of -.75%. Credit Scores of 675-699 will receive a margin of -0.25%. Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. New money only. Coastal1 HELOC refis must increase existing line by $30k to qualify and are not eligible for the introductory rate. No Annual Fee! Rate subject to change without notice. APR will not exceed 21% in RI. APR will not exceed 18% in MA. APR will not fall below 4.00% in either state. No annual fees.  Rate as of 6/1/2023 and subject to change. Equal Housing Lender

*Advertised APR available for qualifying properties with a loan-to-value (LTV) of 80% or less. Advertised APR is lowest available. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only.

**Advertised APRs available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 6/1/2023. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Spectrum 12 yr repayment example: $9.89 per $1,000 borrowed, based on 6.24% APR, 144 monthly payments. Equal Housing Lender.

***A refinance of an existing Coastal1 Credit Union home equity loan require an additional $30,000 be borrowed at the time of the refinance.

****Advertised APR available for qualifying properties with a loan-to-value of 80.01% - 100.00%. Single family primary residences only. Account subject to individual approval and interest rate will be determined by individual creditworthiness. Property insurance (and flood insurance, if applicable) required. Advertised APR is the lowest available and rates are subject to change without notice.

*****Variable rate based on Wall Street Journal Prime Rate (“Prime”) + a margin (which is determined by individual credit worthiness), with a floor of 4.00%. APR available for qualifying properties with a loan-to-value of 80.01% - 100.00%. Credit scores of 700+ to receive a margin of +.50%. Single family primary residence only. Account subject to individual approval. Property insurance (and flood insurance, if applicable) required. Advertised APR is the lowest available and rates are subject to change without notice. No annual fee and APR will not exceed 21% for properties located in RI or 18% for properties located in MA. APR will not fall below 4.00% in either state. Rate as of 5/1/2023 and subject to change.

Repayment Examples

• For equity loans: At 6.99% APR, 240 monthly payments of $7.75 per $1,000 borrowed.
• For equity optimizer loans: At 8.24% APR, 240 monthly payments of $8.52 per $1,000 borrowed.