Coastal Community FCU

What Coastal Community FCU does

Coastal Community Federal Credit Union (Coastal Community FCU) is a federally chartered, NCUA-insured member-owned cooperative founded in 1957 and headquartered in Galveston, Texas. It provides consumer banking products to residents of the Texas Gulf Coast—primarily Galveston, Houston, and La Marque—across four physical branches and a temporary shared branch in Houston. The product set spans deposit products (checking, savings, share certificates, IRAs, youth accounts), consumer and vehicle lending (auto, boat, RV, motorcycle, signature, home equity, mortgages, share-secured), and Visa credit cards (Platinum, Platinum Plus, Feel Free, Certificate Secured). Pricing is credit-tier based, with auto loan rates starting at 2.97% APR for A+ tier and signature loans up to $25,000 at 7.88% APR; deposit products include High-Tide money market checking up to 1.66% APY and share certificates up to 3.63% APY.

The digital banking experience is delivered through the Coastal2Go mobile application (iOS and Android) and a web-based online banking platform powered by third-party core providers (mobicint.net and cmcflex.ftmobile.gal). The Coastal2Go app supports mobile remote deposit capture, bill payment, fund transfers, Face ID/Touch ID authentication, and branch/ATM location services. Distribution is materially extended via partnerships with Allpoint (55,000+ surcharge-free ATMs) and CO-OP Financial Services (5,550+ shared branch locations nationwide). The credit union also holds the Juntos Avanzamos designation for bilingual Hispanic/immigrant community service, and offers youth accounts (Cub Club, CU Succeed), Credit Union Travel, and insurance products through partners (TruStage, GFS, CUFG).

Coastal Community FCU's revenue model is the standard credit union net-interest-margin model: interest income from consumer lending and credit cards, offset by dividends paid on deposits, supplemented by fee income from account services, wire transfers, and partner channels (travel, insurance). The institution is governed by a member-elected board under NCUA oversight, with leadership including CEO/President Angelo DeCamps and VP of Operations Ronesha Holmes. It employs 11-50 staff and has no parent company, no equity investors, and no M&A or funding activity disclosed.

Name

Coastal Community FCU

Legal name

Coastal Community Federal Credit Union

Website

https://coastalcommunityfcu.org

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Coastal Community Federal Credit Union is a federally chartered, NCUA-insured member-owned cooperative founded in 1957 in Galveston, Texas, providing consumer deposit, lending, and credit card products to Texas Gulf Coast residents across four branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Galveston

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income (Loans): The primary revenue stream is interest income from consumer loans including auto loans, mortgages, home equity loans, signature loans, Visa credit cards, and other lending products. Rates vary by credit tier and product type.
2. Deposit-Taking and Savings Products: Revenue generated from the spread between lending rates and dividend rates paid to members on deposit products including checking, savings, money market, share certificates, and IRA accounts.
3. Fee-Based Services: Income from various account service fees, wire transfer fees, and other financial service charges outlined in the fee schedule.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Coastal Community FCU is a federally chartered, member-owned credit union providing retail banking and consumer lending products to individuals and households in the Texas Gulf Coast area. Its core offerings include checking and savings accounts, share certificates and IRAs, vehicle loans, mortgages and home equity loans, personal signature loans, Visa credit cards, and youth accounts, distributed through four branch locations, the Coastal2Go mobile app, and web-based online banking.

Product overview

Coastal Community FCU is a single-institution federally chartered credit union offering a unified banking platform with multiple product lines centered on its Coastal2Go mobile app and online banking services. The core product suite spans deposit products (checking, savings, certificates, IRAs), lending (vehicle loans, mortgages, personal loans, credit cards, home equity), and digital banking. The mobile and web banking experience is powered by third-party platforms (mobicint.net and cmcflex.ftmobile.gal). Supplementary services include youth savings accounts (Cub Club, CU Succeed), travel booking, insurance, and surcharge-free ATM/branch access through Allpoint and CO-OP networks. The credit union operates primarily in the Galveston and Houston, TX market with four physical branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Transactional deposit accounts available to members, including regular checking and High-Tide Checking money market variants with tiered interest rates and multi-factor authentication security.
• Savings Accounts Savings products offered to members including Regular Savings, Special Savings, and youth accounts (Cub Club and CU Succeed Teen Accounts) with competitive dividend rates.
• Share Certificates Term deposit accounts with maturities from 6 months to 5 years and competitive dividend rates; minimum deposit of $500 with jumbo certificates available for balances over $100,000.
• IRA Fixed Certificates Individual Retirement Account certificates with terms of 1, 2, 3, and 5 years offering tax-advantaged savings with competitive dividend rates and a $500 minimum balance.
• Vehicle Loans Auto, motorcycle, boat, RV, and camper loans with rates starting at 2.97% APR for A+ credit and terms from 0 to 84 months depending on vehicle type.
• Signature Loans Unsecured personal loans up to $25,000 with rates as low as 7.88% APR, providing flexible financing for members without collateral requirements.
• Home Equity Loans First and second lien home equity loans with terms from 5 to 30 years, offering competitive rates across A+ through E credit tiers.
• Mortgage Services Home purchase and refinance mortgage loans including conventional mortgages and home equity products for members.
• Visa Credit Cards Credit card products for members including Visa Platinum (13.9% APR), Platinum Plus (11.9% APR), Certificate Secured Visa (6.5% APR), and Feel Free (8.9% APR).
• Share Secured Loans Loans secured by the member's own savings, with rates of 3.75% APR for terms up to 36 months and 5.75% APR for 37-72 months.
• Coastal2Go Mobile App Coastal Community FCU's mobile banking application for iOS and Android that enables members to check balances, pay bills, transfer funds, deposit checks via mobile remote deposit capture, and locate branches and ATMs.
• Online Banking Web-based digital banking platform accessible via mobicint.net, providing members with account access, bill pay, eStatements, scheduled transfers, and loan application capabilities.
• Youth Accounts (Cub Club and CU Succeed) Savings accounts designed for children and teens, with Cub Club for children and CU Succeed for teenagers, promoting early financial literacy.
• Credit Union Travel Member-only travel booking service providing exclusive travel deals and discounts for Coastal members through a dedicated portal.
• Insurance Products Insurance products offered to members through partner providers, including auto, home, motorcycle, boat, and RV coverage, available via TruStage, GFS Insurance, and CUFG Insurance.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• AllpointcoreChannel Partner/ Reseller/ DistributorAllpoint is a surcharge-free ATM network partner providing Coastal members access to 55,000+ ATMs nationwide at major retail locations including Target, CVS, Walgreens, Circle K, and Speedway. This partnership extends the credit union's physical reach significantly beyond its four branch locations.
• CO-OP Financial ServicescoreChannel Partner/ Reseller/ DistributorCO-OP Shared Branch network provides Coastal members access to 5,550+ shared branch locations nationwide. Members can conduct transactions at any participating credit union within the network as if they were at their home branch. CO-OP also provides the CO-OP ATM/Shared Branch Locator mobile app.
• Juntos AvanzamosflagshipStrategic or Co-development PartnerJuntos Avanzamos is a national designation by Inclusiv recognizing credit unions dedicated to serving Hispanic and immigrant communities. Coastal Community FCU holds this designation, providing bilingual support and culturally relevant financial products. The designation connects Coastal to a network of 167+ committed credit unions across the U.S.
• GFS InsuranceminorOthersGFS Insurance is listed as a partner on the Coastal website, providing insurance products to members. Contact information is available through the credit union.
• CUFG InsuranceminorOthersCUFG Insurance is listed as a partner on the Coastal website, providing insurance products to members through the credit union.
• TruStage InsuranceminorOthersTruStage Insurance is listed as a partner on the Coastal website, providing insurance products to members. TruStage is a credit union-focused insurance provider.
• Credit Union TravelminorGTM or Marketing PartnerCredit Union Travel provides member-only travel deals available to all Coastal members. The partnership offers travel discounts and booking services through a dedicated portal for Coastal members.
• NCUA (National Credit Union Administration)coreOthersCoastal Community FCU is federally chartered and insured by the NCUA, a government agency that insures member deposits up to $250,000. NCUA oversight ensures the credit union's safety and soundness.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Security Service Federal Credit Union: Large Texas-headquartered federally chartered credit union offering deposits, consumer and mortgage lending, insurance, and digital banking. Operates as a Texas community credit union at materially larger scale with an overlapping geographic market.
• Keesler Federal Credit Union: Federally chartered community credit union based in Mississippi with a comparable small-to-mid scale community banking model, similar consumer loan and deposit product suite, and NCUA-insured structure. Not a geographic competitor but directly comparable as a similarly scaled community credit union.
• America First Credit Union: Large federally chartered community credit union offering consumer loans, mortgages, deposits, and digital banking through branch and shared-network channels. Comparable cooperative structure and full-service consumer product offering, though operating at substantially greater scale.
• Randolph-Brooks Federal Credit Union (RBFCU): One of the largest credit unions in Texas, headquartered in Live Oak with branches across San Antonio, Austin, Houston, and Dallas. Offers the same consumer banking, lending, and digital product mix but at significantly greater scale and geographic reach.

Direct peers

• TDECU (Texas Dow Employees Credit Union): Houston-area credit union serving members across the Texas Gulf Coast with consumer loans, deposits, mortgages, and digital banking. Directly comparable geography, member base, and product mix, though significantly larger in scale and asset base than Coastal Community FCU.
• Wellby (formerly JSC Federal Credit Union): Houston-area community credit union offering deposits, consumer loans, mortgages, and digital banking to a regional Texas Gulf Coast membership. Closely overlapping service area, product set, and member demographic compared with Coastal Community FCU.
• Houston Police Federal Credit Union: Houston-based community credit union serving local residents and select employee groups with consumer banking, loans, and digital services. Comparable regional Texas Gulf Coast footprint and similar community-cooperative orientation to Coastal.
• Smart Financial Credit Union: Houston-headquartered community credit union providing consumer lending, deposits, and digital banking to Texas Gulf Coast members. Comparable product menu, community credit union model, and regional geographic focus.

Emerging players

• Connexus Credit Union: Federally chartered community credit union with a strong digital and nationwide membership model offering high-yield deposits, consumer loans, and mortgages. Competes for digitally-engaged credit union members nationally, including in Texas, without a physical branch presence.
• Alliant Credit Union: Online-first federally chartered credit union offering consumer deposits, loans, and credit cards nationally with a digital-first model. Not a direct geographic competitor but a relevant emerging peer whose digital-first approach competes for the same digitally-engaged consumer members Coastal targets.

Market position

Strengths1 record

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/COASTAL_FCU
• Facebookfacebook.com/coastalcommunityfcu
• LinkedInlinkedin.com/company/93550306/admin/feed/posts
• Instagraminstagram.com/coastalcommunityfcu

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Coastal Community FCU