Coastal Credit Union COASTAL HELOC Switch your debt to one low monthly payment. Take advantage of the rising value of your home with Coastal’s up to 100% Home Equity Line of Credit! Consolidate your debt into one low monthly payment. This is a special invitation to apply just for you!1 LOWER MY MONTHLY PAYMENTS For initial advances on Home Equity Lines of Credit: Combined Loan to Value less than 80% from 80.01% to 90% from 90.01% to 100% Greater than $100,000 as low as 3.50% as low 4.50% as low as 5.55% Up to $100,000 as low as 3.75% as low as 4.75% as low as 5.80% The last day to apply to take advantage of these rates is December 31, 2021 Up to 100% Financing! Unlock all the equity in your home with our Home Equity Line of Credit. Already have a HELOC? It’s easy to refinance to Coastal and turn all your debt into one low monthly payment! Save Money with No Closing Costs Stop paying more! We’ve made it simple to consolidate your debt into one low monthly payment. Manage your account easily with our Online Banking and Mobile Banking App. Enjoy the Perks of Coastal Your approved HELOC application automatically makes you elegible for Coastal membership which includes a savings account.2 As a Coastal member, you’ll enjoy rewards, technology, and perks that not only help your finances – but also help your everyday life. JUST FOLLOW THESE 3 STEPS Apply Online In the application, simply select the first option: “Home Equity Line of Credit” Apply Now > 1:1 Follow Up We’ll personally reach out to you, guiding you through the process. That’s it! You can now relax knowing you are banking better by consolidating your debt into one low monthly payment. This is a special invitation to apply just for you! START MY APPLICATION Already have a Home Equity Line of Credit? It’s easy to refinance to Coastal and turn your debt to one low monthly payment! "Coastal's Home Equity Line of Credit is fair and easy to handle." — a Coastal member. 1. All lines are subject to approval. All applicants must meet underwriting criteria. Property insurance required. Loan or line amount may be less than 100% of your home’s combined loan-to-value. To calculate how much additional money you may be able to access, estimate the market value of your home and subtract the sum of the total mortgage balances on your property (1st mortgage + home equity balances). For example, if your home is valued at $270,000 and you owe $150,000 on your first mortgage and you owe $50,000 on a home equity loan then you may be able to access up to an additional $70,000 by refinancing your existing home equity balance. $270,000 – $150,000 = $120,000 where this amount includes the home equity balance that was paid off. All standard closing costs for properties located in North Carolina are paid by Coastal. The offered pricing is only available for primary residences. Non-standard costs such as a full appraisal, title insurance, attorney fees and closing costs for properties located in Virginia or South Carolina must be paid by the borrower. This rates are not elegible for a further discount. To learn more about what closing costs applies to you, please contact your local branch or call our home equity team at 919-800-4750 to discuss. Federally insured by NCUA. NMLS ID # 619449 2. Membership eligibility required. Primary savings account required to obtain lending services. Minimum deposit of $25 required to open a Primary Savings. © 2021 Coastal Credit Union Website by ZAG Interactive Federally Insured by NCUA. Rates are current as of November 2021 unless otherwise noted and are subject to change. We Value Your Privacy SETTINGS NextRoll, Inc. ("NextRoll") and our advertising partners use cookies and similar technologies on this site and use personal data (e.g., your IP address). If you consent, the cookies, device identifiers, or other information can be stored or accessed on your device for the purposes described below. You can click "Allow All" or "Decline All" or click Settings above to customize your consent. NextRoll and our advertising partners process personal data to: ● Store and/or access information on a device; ● Create a personalized content profile; ● Select personalised content; ● Personalized ads, ad measurement and audience insights; ● Product development. For some of the purposes above, our advertising partners: ● Use precise geolocation data. Some of our partners rely on their legitimate business interests to process personal data. View our advertising partners if you wish to provide or deny consent for specific partners, review the purposes each partner believes they have a legitimate interest for, and object to such processing. If you select Decline All, you will still be able to view content on this site and you will still receive advertising, but the advertising will not be tailored for you. You may change your setting whenever you see the on this site. DECLINE ALL ALLOW ALL