Coast Central Credit Union

2650 Harrison Ave
Eureka, CA 95501
(800) 922-8880
www.coastccu.org

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Coast Central Credit Union is headquartered in Eureka and is the 36^th largest credit union in the state of California. It is also the 207^th largest credit union in the nation. It was established in 1974 and as of December of 2012, it had grown to 158 employees and 54,958 members. Coast Central Credit Union has a 5-star health rating.

Coast Central Credit Union Routing Number: 321172248

Competitive 3-Year CD Rates at Coast Central Credit Union in California - Local Only - 2/25/2011

Coast Central Credit Union is offering competitive rates. The most competitive rates are for the 3-year term which include a 2.10% APY for a $75K minimum and a 2.00% APY for a $10K minimum. The 5-year ...

5.06% 48-Month / 5.12% 60-Month CD at a California CU (Coast Central) - 8/8/2008

Coast Central Credit Union is offering competitive rates on its savings certificates (pdf) for terms of 48 to 60 months. The yield for terms of 48 to 59 months is 5.06% APY, and the yield for the 60-month term is 5.12% APY. The minimum deposit is...

5.64% 24-Month / 5.69% 60-Month CD at a California CU (Coast Central) - 6/24/2007

Coast Central Credit Union has several high yield certificates on terms from 24 to 60 months. For a $10,000 minimum deposit, the yields range from 5.64% APY to 5.69% APY. For a $75K minimum deposit, the yields range from 5.69% APY to 5.75% APY. For only...

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See Rates for: Checking | Savings | CD | IRA

Coast Central Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Interest Checking

Coast Central Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Health Savings
0.20%	$75k	-	Liquid Assets Account
0.17%	$10k	-	Membership Savings
0.17%	$10k	-	Special Savings
0.17%	-	-	IRA Saving
0.17%	-	-	Roth IRA Savings
0.17%	-	-	Education IRA Savings
0.17%	-	-	SEP IRA Savings
0.13%	-	-	Youth Savings
0.10%	-	-	Holiday Club

Coast Central Credit Union CD Rates

Apy	Min	Max	Product
1.10%	$10k	-	60 Month CD
0.80%	$10k	-	48 to 59 Month CD
0.75%	$10k	-	36 to 47 Month CD
0.45%	$10k	-	24 to 35 Month CD
0.30%	$10k	-	12 to 23 Month CD
0.25%	$10k	-	182 to 364 Day CD
0.15%	$10k	-	90 to 181 Day CD

Coast Central Credit Union IRA Rates

Apy	Min	Max	Product
1.10%	-	-	60 Month IRA
1.10%	-	-	60 Month Roth IRA
1.10%	-	-	60 Month CESA
1.10%	-	-	60 Month SEP IRA
0.80%	-	-	48 to 59 Month IRA
0.80%	-	-	48 to 59 Month Roth IRA
0.80%	-	-	48 to 59 Month CESA
0.80%	-	-	48 to 59 Month SEP IRA
0.75%	-	-	36 to 47 Month IRA
0.75%	-	-	36 to 47 Month Roth IRA
0.75%	-	-	36 to 47 Month CESA
0.75%	-	-	36 to 47 Month SEP IRA
0.45%	-	-	24 to 35 Month IRA
0.45%	-	-	24 to 35 Month Roth IRA
0.45%	-	-	24 to 35 Month CESA
0.45%	-	-	24 to 35 Month SEP IRA
0.30%	-	-	12 to 23 Month IRA
0.30%	-	-	12 to 23 Month Roth IRA
0.30%	-	-	12 to 23 Month CESA
0.30%	-	-	12 to 23 Month SEP IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

COAST CENTRAL
NCUA #	62367
BankRate Report	View
Year Chartered	1974
Employees	158
Primary Regulator
Assets and Liabilities
Assets	$971.78 million
Loans	$426.61 million
Deposits	$786.48 million
Equity Capital	$110.24 million
Loan Loss Allowance	$4.15 million
Unbacked Noncurrent Loans	$3.30 million
Real Estate Owned	$168,000
Historic Data - December 2011
Assets	$929.60 million
Equity Capital	$103.31 million
Loan Loss Allowance	$4.69 million
Unbacked Noncurrent Loans	$3.39 million
Real Estate Owned	$433,000
Profit Margin - Quarterly
Net Interest Margin	4.1%
Return on Assets	0.62%
Return on Equity	5.44%
Interest Income	$27.75 million
Non-Interest Income	$7.83 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 Coast Central Credit Union had $3.47 million in non-current loans and owned real-estate with $114.39 million in equity and loan loss allowances on hand to cover it. This gives Coast Central Credit Union a Texas Ratio of 3.03% 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 Coast Central Credit Union held steady from 3.54% as of December 31, 2011 to 3.03% as of December 31, 2012, resulting in a positive change of 14.32%.This indicates that the balance sheet and financial strength for Coast Central Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Coast Central Credit Union has increased its total deposits by $46.55 million, resulting in 6.29% 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 Coast Central Credit Union has shown is excellent.
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. Coast Central Credit Union has $971.78 million in assets with $114.39 million in equity, resulting in a capitalization level of 11.77%, which is above average.