# Coastal1 Credit Union Advantage Checking: 3.25% APY

Canonical: https://dealaka.com/offers/coastal1-credit-union-advantage-checking-rate

- Status: Limited reports
- Bonus: 3.25% APY
- APY: 3.25% (ongoing APY on balances up to $20,000)
- Requirement: 6 debit txns, 1 external ACH, e-statement monthly
- Expires: no published end date
- Availability: RI (RI)
- Institution: Coastal1 Credit Union
- Verified: Aug 8, 2026 against coastal1.org
- Field reports: 0

## 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.

## Requirements
1. Receive your account statement electronically via online banking.
2. Make at least 6 debit card point-of-sale transactions (must post and settle).
3. Have at least one external ACH credit or debit transaction (must post and settle).

## Fine print that matters
- 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

## Sources
- coastal1.org rate page <https://www.coastal1.org/personal/checking> (checked Aug 8, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._