Qualification Information:

_{Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.}

_{To qualify for High Interest Rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Coastal Life account during each Monthly Qualification Cycle: Monthly minimum of one (1) $500 Direct Deposit/ACH credit, enrollment in Cre$tConnect online banking with eStatement and at least fifteen (15) debit card transactions.}

_{“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.}

_{For specific Monthly Qualification Cycle dates click here.}

Reward Information:

_{When your Coastal Life account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $20,000 in your Coastal Life account earn an interest rate of 3.20% resulting in an APY of 3.25%; and daily balances over $20,000 earn an interest rate of 0.10% on the portion of the daily balance over $20,000, resulting in a range from 3.25% to 0.63% APY depending on the account’s daily balance.}

_{Interest will be credited to your Coastal Life account on the last day of the current statement cycle.}

_{When your Coastal Life qualifications are NOT met, the interest rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05%}.

_{Crest Savings will charge $0.35 for each balance inquiry and $1.00 for each withdrawal conducted at a non-Crest Savings ATM. Additionally, the owner or operator of a non-Crest Savings ATM may impose a separate fee. We reimburse ATM withdrawal fees incurred within your Coastal Life account during the Monthly Qualification Cycle, up to an aggregate total of $10 per statement cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Coastal Life transactions via ATM}.

_{ATM withdrawal fees may be assessed at the time of the transaction and will be reimbursed to your account on the last day of the current statement cycle in which qualifications are met.}

_{When your Coastal Life qualifications are NOT met, ATM withdrawal fees will not be reimbursed.}

_{APY = Annual Percentage Yield.}

_{APYs accurate as of 04/13/2026.}

_{APY calculations are based on an assumed balance of $20,000 + $100,000 in your Coastal Life account and an assumed statement cycle of thirty-one (31) days.}

_{Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.}

Additional Information:

_{Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.}

_{No minimum deposit is required to open the account.}

_{Enrollment in electronic services (e.g. Cre$tConnect online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.}

_{Limit of one Coastal account per social security number.}

_{There are no recurring monthly maintenance charges or fees to open or close this account.}

_{Advertised information and rewards are based on all account qualifications being met during each cycle period.}

_{Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.}

_{View Truth in Savings Coastal Account Disclosure}

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