Competitive 3-Year CD Rates at Coast Central Credit Union in California - Local Only

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 CD rates are also fairly competitive with top rate of 2.60% APY for a $75K minimum deposit. These rates are listed on the credit union's rates page (pdf) as of 2/25/2011.

Early Withdrawal Penalty: At the bottom of the rate table, it states that the early withdrawal penalty for CDs on terms over one year is 90 days of interest. The penalty will never exceed the amount of interest actually earned. This is better than the early withdrawal penalties at many other credit unions and banks.

How It Compares

As a comparison to internet banks as of 2/25/2011, the best 3-year CD rate is 2.00% APY at OneWest Bank. The best 3-year CD rate at a credit union that's easy to join is 2.25% APY at Fort Knox FCU.

Credit Union Membership

Credit union membership is open to those who live or work in the California counties of Humboldt, Trinity or Del Norte. Please refer to the credit union's first application page which has more details about membership eligibility.

Branches are located in Arcata, Crescent City, Eureka, Fortuna, Weaverville, Willow Creek, Hoopa and McKinleyville, California.

The credit union has an overall health score at DepositAccounts.com of 4 stars (out of 5) with a Texas Ratio of 4.65% (excellent) based on December 2010 data. Please refer to our financial overview of Coast Central Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 62367).

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