{"slug":"coastal1-credit-union-advantage-checking-rate","category":"bank","institutionSlug":"coastal1-credit-union","product":"Advantage Checking","title":"Coastal1 Credit Union Advantage Checking: 3.25% APY","bonus":"3.25% APY","unit":"cash","amount":0,"reqShort":"6 debit txns, 1 external ACH, e-statement monthly","expiresOn":null,"status":"live","verifiedOn":"2026-08-08","reports":0,"openIssues":0,"states":["RI"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Account reverts to free checking if eligibility requirements not met for 3 consecutive months.","posts":"Interest credited monthly based on statement cycle.","applyDomain":"coastal1.org","applyUrl":"https://www.coastal1.org/personal/checking","summary":"Earn 3.25% APY on checking account balances up to $20,000 with no minimum balance requirement. Balances over $20,000 earn 3.25% on the first $20,000 and 0.35% on funds exceeding that amount. Account requires electronic statements, 6 debit card transactions, and 1 external ACH transaction monthly, or face a $25 service charge.","reqSteps":["Receive your account statement electronically via online banking.","Make at least 6 debit card point-of-sale transactions (must post and settle).","Have at least one external ACH credit or debit transaction (must post and settle)."],"finePrint":["Balances over $20,000 earn 3.25% on first $20,000 and 0.35% on any funds over $20,000","Monthly service charge of $25 if eligibility conditions not met","If conditions not met for 3 consecutive months, account reverts to free checking","Limit one Advantage Checking per member","0.10% bonus rate on any Coastal1 CD available for combined deposit relationships of $25,000 or more"],"apy":325,"apyTerm":"ongoing APY on balances up to $20,000","listedOn":"2026-08-08","listedAt":"2026-08-08T13:06:38.286Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"coastal1.org rate page","url":"https://www.coastal1.org/personal/checking","checkedOn":"2026-08-08"}],"needsVerification":false}