California Coast Credit Union

9201 Spectum Center Boulevard
San Diego, CA 92150-2080
877) 495-1600
www.calcoastcu.org

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California Coast Credit Union is headquartered in San Diego and is the 18^st largest credit union in the state of California. It is also the 96^th largest credit union in the nation. It was established in 1929 and as of December of 2012, it had grown to 413 employees and 120,751 members. California Coast Credit Union has a 5-star health rating.

9.00% 7-Month CD at a CA Credit Union - $2K Max and $100 Checking Bonus (California Coast) - 9/9/2007

California Coast Credit Union is advertising a 9.00% APY 7-month certificate. The minimum and maximum deposit is $2,000, and it must be new money. The 9% yield requires an active checking account with e-statements or a new loan of $10k or more. Without...

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See Rates for: Checking | Savings | Money Market | CD | IRA

California Coast Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$500k	-	Ultra Performance Checking
0.10%	$95k	-	Business Interest Checking
0.05%	$50	-	Dividend Checking

California Coast Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	$100	-	Youth Account
0.15%	$50	-	Holiday Saver Certificate
0.15%	$50	-	Summer Certificate
0.05%	$1k	-	Smart Savings
0.05%	$50	-	Primary Savings
0.05%	$50	-	IRA Savings
0.05%	$50	-	Business Savings
0.05%	$50	-	Roth IRA Savings
0.05%	$50	-	SEP IRA Savings
0.05%	$50	-	CESA Savings

California Coast Credit Union Money Market Rates

Apy	Min	Max	Product
0.10%	$25k	-	Money Market Index
0.10%	$10k	-	Money Market Savings
0.10%	$25k	-	Business Money Max Index
0.10%	$10k	-	Business Money Market

California Coast Credit Union CD Rates

Apy	Min	Max	Product
1.05%	$50k	-	5 Year Certificate
1.05%	$50k	-	5 Year Business Certificate
0.80%	$50k	-	4 – 5 Year Certificate
0.80%	$50k	-	4 – 5 Year Business Certificate
0.60%	$50k	-	3 – 4 Year Certificate
0.60%	$50k	-	3 – 4 Year Business Certificate
0.45%	$50k	-	2 – 3 Year Certificate
0.45%	$50k	-	2 – 3 Year Business Certificate
0.30%	$50k	-	1 – 2 Year Certificate
0.30%	$50k	-	18-Month Bump Rate Certificate
0.30%	$50k	-	1 – 2 Year Business Certificate
0.30%	$50k	-	18-Month Bump Rate Business Certificate
0.25%	$50k	-	6 – 12 Month Certificate
0.25%	$50k	-	6 – 12 Month Business Certificate
0.20%	$50k	-	3 – 6 Month Certificate
0.20%	$1k	-	11-Month Liquid Certificate
0.20%	$50k	-	3 – 6 Month Business Certificate
0.20%	$1k	-	11-Month Liquid Business Certificate

California Coast Credit Union IRA Rates

Apy	Min	Max	Product
1.05%	$50k	-	5 Year IRA Certificate
1.05%	$50k	-	5 Year Roth IRA Certificate
1.05%	$50k	-	5 Year CESA Certificate
1.05%	$50k	-	5 Year SEP IRA Certificate
0.80%	$50k	-	4 – 5 Year IRA Certificate
0.80%	$50k	-	4 – 5 Year Roth IRA Certificate
0.80%	$50k	-	4 – 5 Year CESA Certificate
0.80%	$50k	-	4 – 5 Year SEP IRA Certificate
0.60%	$50k	-	3 – 4 Year IRA Certificate
0.60%	$50k	-	3 – 4 Year Roth IRA Certificate
0.60%	$50k	-	3 – 4 Year CESA Certificate
0.60%	$50k	-	3 – 4 Year SEP IRA Certificate
0.45%	$50k	-	2 – 3 Year IRA Certificate
0.45%	$50k	-	2 – 3 Year Roth IRA Certificate
0.45%	$50k	-	2 – 3 Year CESA Certificate
0.45%	$50k	-	2 – 3 Year SEP IRA Certificate
0.30%	$50k	-	1 – 2 Year IRA Certificate
0.30%	$50k	-	18 Month Bump Rate IRA Certificate
0.30%	$50k	-	1 – 2 Year Roth IRA Certificate
0.30%	$50k	-	18 Month Bump Rate Roth IRA Certificate
0.30%	$50k	-	1 – 2 Year CESA Certificate
0.30%	$50k	-	1 – 2 Year SEP IRA Certificate
0.30%	$50k	-	18 Month Bump Rate CESA Certificate
0.30%	$50k	-	18 Month Bump Rate SEP IRA Certificate
0.25%	$50k	-	6 – 12 Month IRA Certificate
0.25%	$50k	-	6 – 12 Month Roth IRA Certificate
0.25%	$50k	-	6 – 12 Month CESA Certificate
0.25%	$50k	-	6 – 12 Month SEP IRA Certificate
0.20%	$50k	-	3 – 6 Month IRA Certificate
0.20%	$50k	-	3 – 6 Month Roth IRA Certificate
0.20%	$50k	-	3 – 6 Month CESA Certificate
0.20%	$50k	-	3 – 6 Month SEP IRA Certificate

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

CALIFORNIA COAST
NCUA #	66584
BankRate Report	View
Year Chartered	1929
Employees	413
Primary Regulator
Assets and Liabilities
Assets	$1.71 billion
Loans	$895.45 million
Deposits	$1.51 billion
Equity Capital	$177.43 million
Loan Loss Allowance	$25.54 million
Unbacked Noncurrent Loans	$4.83 million
Real Estate Owned	$8.87 million
Historic Data - December 2011
Assets	$1.63 billion
Equity Capital	$161.77 million
Loan Loss Allowance	$36.37 million
Unbacked Noncurrent Loans	$20.74 million
Real Estate Owned	$8.68 million
Profit Margin - Quarterly
Net Interest Margin	5.06%
Return on Assets	0.91%
Return on Equity	8.75%
Interest Income	$54.23 million
Non-Interest Income	$21.44 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 California Coast Credit Union had $13.7 million in non-current loans and owned real-estate with $202.96 million in equity and loan loss allowances on hand to cover it. This gives California Coast Credit Union a Texas Ratio of 6.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for California Coast Credit Union decreased significantly from 14.85% as of December 31, 2011 to 6.75% as of December 31, 2012, resulting in a positive change of 54.55%.This indicates that the balance sheet and financial strength for California Coast Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, California Coast Credit Union has increased its total deposits by $68.89 million, resulting in 4.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth California Coast Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. California Coast Credit Union has $1.71 billion in assets with $202.96 million in equity, resulting in a capitalization level of 11.87%, which is above average.