Coast360 Federal Credit Union

What Coast360 Federal Credit Union does

Coast360 Federal Credit Union is a federally chartered, member-owned, not-for-profit financial cooperative headquartered in Maite, Guam, operating under the regulatory oversight of the National Credit Union Administration (NCUA) since its founding on September 24, 1962. Originally established as the Government of Guam Employees Federal Credit Union by 20 government employees, the institution received a new charter in 2007 and rebranded as Coast360, opening membership to all individuals who live, work, or worship on Guam. The credit union now serves over 50,000 members—approximately one in three Guam residents—through three physical member centers (Maite, Upper Tumon, and Dededo), an island-wide ATM network, and a digital banking platform.

The product portfolio spans core deposit products (Regular Share Savings, Value Checking, Money Market, Term Shares, Christmas Club, IRAs), consumer lending (auto loans at 4.50% APR new / 4.75% used, personal loans at 6.99% APR up to $50,000, mortgages up to 97% LTV), credit cards (Visa Gold at 14.00% APR with 1.5% cash back, Visa Classic at 16.00% APR), and sub-branded programs targeting youth (Kids360 ages 5-12, Teen360 ages 13-17) and small business (Business360). The technology stack is built primarily on third-party vendor platforms: Jack Henry & Associates for credit card management (MyCardRules) and online banking, CardValet for debit card controls (Coast360 Card Control), Fiserv for card processing and fraud prevention, Visa for payment network access, and CO-OP Financial Services for the 5,000+ location shared branching network.

Coast360 operates on a cooperative revenue model with three streams: net interest income from lending activities (the primary stream), transaction-based fee income (overdraft/NSF at $30, wire transfers, ATM fees, card replacement, stop payments, safe deposit boxes), and investment/dividend income on member deposits. Earnings are returned to members through competitive dividends and lower loan rates rather than distributed to outside stockholders. The credit union is governed by a volunteer Board of Directors elected by members, with no parent company, no outside equity ownership, and no disclosed funding rounds or M&A activity.

Name

Coast360 Federal Credit Union

Legal name

Coast360 Federal Credit Union

Website

https://coast360fcu.com

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

11–50 employees

Short description

Coast360 Federal Credit Union is a federally chartered, member-owned cooperative serving over 50,000 members across Guam through three branches, digital banking, and a shared branching network. It offers deposits, consumer and business lending, mortgages, credit cards, and youth banking sub-brands.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Card Issuing (522210)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Consumer lending
• Credit union deposits
• Mortgage financing
• Small business banking

Headquarters

HQ city

Hagåtña

HQ country

Guam

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on auto loans, personal loans, mortgages, home equity loans, credit cards, and business loans. Competitive rates offered to members with pricing varying based on creditworthiness and loan type.
2. Fee Income: Various fees including overdraft fees ($30), NSF fees ($30), ATM fees for non-network ATMs, wire transfer fees, stop payment fees, card replacement fees, and business service fees. Comprehensive fee schedule published on website.
3. Investment/Dividend Income: Returns on investment of member deposits. As a credit union, earnings are returned to members in the form of higher dividends on savings and lower loan rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Coast360 Federal Credit Union is a federally chartered, member-owned credit union that provides retail and small-business banking products to over 50,000 members on Guam. Its core offering consists of share savings and value checking accounts, money market and term share (CD/IRA) deposits, consumer loans (personal, auto, mortgage, home equity, share-secured), Visa credit cards, youth banking programs (Kids360, Teen360), and small-business banking (Business360), distributed through three member centers, digital channels, and the CO-OP shared branching network.

Product overview

Coast360 Federal Credit Union is a not-for-profit financial institution serving over 50,000 members in Guam since 1962. The company offers a comprehensive suite of personal and business banking products centered around its core membership accounts (Regular Share Savings, Value Checking) and extending to term deposits (Term Shares & IRAs), consumer lending (Personal Loans, Auto Loans, Mortgage & Home Equity), and credit cards (Cash Rewards Visa). Youth banking is served through branded programs Kids360 and Teen360, while business members are served via Business360 Services. Digital banking is delivered through the Coast360 eServices platform encompassing Coast360 Online (web banking), Coast360 Mobile (app), Coast by Phone (telephone banking), and card control apps (Card Control for debit, MyCardRules for credit). The company participates in the CO-OP Shared Branching network for nationwide branch access.

Differentiator

Problem solved

Functional benefit

Brands

• Kids360: Youth banking program for children ages 5-12, featuring high-yield savings, club accounts, a Kids360 member card, savings tracker, and activity book.
• Teen360
• Business360

Products and services

• Regular Share Savings Basic share savings account that establishes and maintains Coast360 credit union membership, offering a competitive dividend rate with ATM card access and access to over 5,000 network credit union locations worldwide.
• Christmas Club Seasonal club savings account paying 1.35% APY with a $5 minimum deposit, quarterly interest payments, and withdrawal access starting in October to help members save for holiday expenses.
• Money Market High-yield savings account with check-writing benefits, requiring a $2,500 minimum balance and paying tiered APYs from 0.50% to 1.00% depending on the balance tier.
• Value Checking Everyday tiered-rate checking account paying up to 0.25% APY with a free Visa debit card, no foreign transaction fees, and access to over 5,000 network credit unions. Requires a $100 minimum opening deposit.
• Term Shares & IRAs Time deposit accounts (Term Shares) with terms from 3 to 60 months offering APY up to 3.80%, plus Traditional IRA, ROTH IRA, and Coverdell Educational Savings Account options.
• Personal Loans Unsecured personal loans up to $50,000 at rates as low as 6.99% APR with terms up to 72 months, plus share-secured personal loan options at the dividend rate plus 2.00%. No prepayment penalties.
• Auto Loans New and used vehicle financing with up to 100% financing and terms up to 7 years (84 months); new auto rates as low as 4.50% APR and used auto rates as low as 4.75% APR.
• Cash Rewards Visa Credit Card Visa credit card offering up to 1.5% cash back on all purchases with no earned rewards cap or expiration. Available as Visa Gold (14.00% APR) and Visa Classic (16.00% APR), with no annual fee and no foreign transaction fees.
• Mortgage & Home Equity Residential mortgage products including purchase, refinance, VA, construction, and home equity loans, with up to 97% LTV financing available, terms up to 30 years, low to no origination fees, and no prepayment penalties.
• Share Secured Loan & Credit Card Credit-builder products secured by the member's own savings. Share-secured loans at the dividend rate plus 2.00%; share-secured credit cards at 16.00% APR.
• Kids360 Youth Banking Program Youth banking program for members' children ages 5-12 featuring high-yield savings, Summer Club, Christmas Club accounts, a Kids360 member card, savings tracker, activity book, and free coin machine access.
• Teen360 Youth Banking Program Teen banking program for members' children ages 13-17 offering high-yield savings, Summer & Christmas Club accounts, Teen360 Value Checking with a free instant Visa debit card, online and mobile banking access, and financial independence tools.
• Business360 Services Business banking suite for small and mid-sized local businesses, including Business Share Savings, Business Value Checking, Business Visa Debit Card, business term loans, lines of credit, and 24/7 online business banking.
• Coast360 Online Banking Web-based online banking platform providing credit tracking, bill pay, fund transfers, ACH transfers, loan payments, eStatements, stop payments, check reordering, and secure messaging for members.
• Coast by Phone Telephone Banking 24/7 toll-free telephone banking service accessible at 1-866-725-8624, providing balance inquiries, transaction history, fund transfers, loan payments, card activation, and lost/stolen card reporting via touch-tone with voice recognition available.
• Coast360 Card Control Mobile App Mobile app available on App Store and Google Play that lets members turn their debit card on/off, set spending limits, add travel notices, control usage locations, and receive transaction alerts.
• MyCardRules Mobile App Mobile app powered by Jack Henry & Associates that lets members turn their credit card on/off, set spending limits, configure parental controls, restrict usage locations, and receive transaction notifications.
• CO-OP Shared Branching Access Network-based branch access that lets Coast360 members deposit, withdraw, and conduct transactions at over 5,000 participating credit union locations in the continental U.S., Puerto Rico, U.S. military bases, and select international locations in Italy and Germany.

Quantifiable outcome

• Savings rates typically higher than banks - Share Savings at 0.25% APY
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Jack Henry & Associates Inc.coreTechnology or IntegrationJack Henry & Associates provides the MyCardRules mobile app technology for credit card management. The app allows members to set card controls, spending limits, location restrictions, and receive transaction alerts. Powered by Jack Henry's Banno digital banking platform.
• CO-OP Financial ServicescoreChannel Partner/ Reseller/ DistributorCO-OP Shared Branching network provides Coast360 members access to over 5,000 credit union locations nationwide including continental U.S., Puerto Rico, military bases, and international locations in Italy and Germany. Enables deposit and withdrawal services at participating credit unions.
• FiservcoreTechnology or IntegrationFiserv provides card processing services and fraud prevention. Their card provider operations handle debit and credit card transactions. Fiserv representatives identify themselves as Coast360 Fraud Prevention Department when contacting members about suspicious activity.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Navy Federal Credit Union: The largest US credit union, serving military-affiliated members globally. Particularly relevant given Guam's large US military community overlap with Coast360's member base — Navy Federal is a competitive threat for any service member banking wallet on the island.
• First Hawaiian Bank: Largest Hawaii-headquartered commercial bank with Pacific regional presence and consumer/business banking products overlapping Coast360's suite. Serves as a broader incumbent benchmark for the Pacific island regional banking category.
• SchoolsFirst Federal Credit Union: Large California community FCU with comprehensive retail and youth banking programs (Kids/Teen equivalents) and similar member-ownership structure. Relevant comparator for the youth banking branding and member-pipeline strategy.
• PenFed (Pentagon Federal Credit Union): One of the largest US federal credit unions with full retail banking, lending, and credit card products operating nationally. Relevant broad-incumbent comparator for product breadth, digital infrastructure, and scale economics even though geographically distinct.

Direct peers

• Aloha Pacific Federal Credit Union: One of the larger Hawaii community credit unions serving a Pacific island population with full personal and business banking products, shared branching, and digital services. Comparable in scale and operating model to Coast360 across essentially the same demographic and geographic category.
• Hawaii State Federal Credit Union: Hawaii-based community federal credit union with comparable multi-product retail offering (savings, lending, mortgages), Pacific-region presence, and member-base size in the tens of thousands. Closest functional analog to Coast360 in terms of mission, charter, and island-territory operating context.
• HawaiiUSA Federal Credit Union: Hawaii-based community federal credit union offering comparable personal, youth, and business banking products to a Pacific island population. Operates with the same federal credit union charter and product range as Coast360.
• Maui County Federal Credit Union: Small Hawaii island community FCU serving a defined geographic membership with savings, loans, and digital banking. Comparable to Coast360 in scale of a few tens of thousands of members and island-territory member base.
• Hawaii Central Federal Credit Union: Hawaii-based community federal credit union with similar personal/auto/home equity lending focus and comparable small-to-mid scale. Operates with a parallel charter and product mix to Coast360 in the same Pacific population segment.

Regional players

• Bank of Guam: The dominant commercial bank headquartered on Guam offering directly overlapping deposit, loan, and business banking products in the same physical market. Coast360's primary in-market competitor for consumer and commercial wallet share despite differing charter types.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Coast360FCU
• Instagraminstagram.com/coast360fcu
• LinkedInlinkedin.com/company/coast360-federal-credit-union

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coast360 Federal Credit Union