Bank better with Coastal Credit Union in North Carolina. Enjoy a variety of personal and business accounts, loans, mortgages, HELOCs and more. Join today. No credit check to apply. No minimum deposit needed. Build your credit fast and graduate to unsecured credit in as little as 4 months. America First Credit Union offers savings & checking accounts, mortgages, auto loans, online banking, Visa products, financial tools, business services.