California Coast Credit Union


Overview / Commentary
877-495-1600
9201 Spectrum Center Blvd
San Diego, CA 92123

California Coast Credit Union is headquartered in San Diego and is the 23rd largest credit union in the state of California. It is also the 135th largest credit union in the nation. It was established in 1929 and as of March of 2024, it had grown to 527 employees and 202,396 members at 26 locations. California Coast Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in California Coast Credit Union anyone through paying a $15 membership fee. Membership is also open to those who live or work in San Diego or Riverside Counties in California with a $5 membership fee. (Membership details are listed in the Credit Union's online application)
See current membership details

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9.50% APY 5-Month Celebration CD, But With Strings Attached - 4/19/2024

Appears anyone can join. Online application reads: "Select your eligibility: I am applying for membership online." That's the only option listed on the online application. UPDATED - Maximum deposit is $3k, with only one Certificate allowed per member. Requirements: The following must be done within 30 days of opening the account and the account must remain open for the term of the Certificate. One certificate per Social Security Number (Open or Closed) Must be new money (existing members with new money are eligible), not currently on deposit with the credit union Must have an active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) checking account with eStatements OR one of the following: New Money Market with a minimum balance of $5,000 OR New Regular Certificate with a minimum balance of $5,000 OR New IRA Certificate with a minimum balance of $5,000 OR New (funded) consumer loan

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Reviews (3)

Great experiences with Cal Coast

I've had very positive experiences with Cal Coast Credit Union, since switching from a global bank. I use their checking and savings accounts, as well as some other services from time to time. Enrolling was easy, and there was a slight cash bonus. One nice service is that they offer one free cashiers check a day, so if you aren't a heavy check user you won't even need to buy checks. The online interface to access your accounts is a bit outdated but is perfectly usable, has all the information you need, and seems secure, with two factor authentication. I've used the online interface to transfer between my accounts many times without any issue. They also have an e-statements program that you can use if you prefer to be able to look at all your statements online.

Credit Check Hard Pull

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This one historically has required all membership applicants to go through a hard pull credit check. Even to become a savings-only member or a checking account-only member. Hard pulls should only be for loans. They reduce credit scores and may prevent banks (Chase especially) from issuing you THEIR products for up to 2 years. Ask first, responses of "we look at everyone's credit" which refuse to be clear about hard/soft pulls always means hard pull. There ARE many local competitors, commercial banks and credit unions, that are customer-friendly and do not do this.

Only 5 Of Their 27 Branches Provide CO-OP Shared Banking

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Only 5 of their 27 branches can be used for Credit Union CO-OP Shared Branch Network transactions, even if you are a member. The other 22 branches will turn you away. The 5 shared-branch locations are:

Downtown San Diego
440 Beach St
San Diego, CA 92101

Mira Mesa
8220 Mira Mesa Blvd Suite D
San Diego, CA 92126

San Marcos
140 Knoll Rd
San Marcos, CA 92069

Temecula
32170 Temecula Pkwg Bldg C
Temecula, CA 92592

Tri-city
3485 Marron Rd
Oceanside, CA 92056



Health
B+

Health Grade Components

Overall
NCUA #66584
Year Chartered1929
Employees527
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.56%
Annual Interest Income$32MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.44B$3.51B
LoansQ1 2024vs Q1 2023$2.26B$2.32B
DepositsQ1 2024vs Q1 2023$3.11B$3.21B
Equity CapitalQ1 2024vs Q1 2023$299.5MM$286.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$17.8MM$10MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.4MM$2.2MM
Real Estate OwnedQ1 2024vs Q1 2023$208K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not California Coast Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

California Coast Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$50-Holiday Saver Certificate
0.50%$50-Summer Certificate
0.05%$1k-Smart Savings Account
0.05%$50-Primary Savings Account
0.05%$50-IRA Savings Account
0.05%$50-Business Savings Account
0.05%$50-Special Savings

California Coast Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Money Market Index
0.05%$2.5k-Money Market Savings Account
0.05%$2.5k-Business Money Max Index
0.05%$2.5k-Business Money Market Account

California Coast Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Ultra Performance Checking
0.05%$50-Dividend Checking
0.05%$100-Premier Business Checking

California Coast Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
9.50%$500$3k5 Month Celebration Certificate - New Money
4.00%$20k-15 Month CD Special
3.00%$1k-8-Month Liquid CD - New Money
2.65%*$10k*-60 Month CD
OTHER TIERS: 1.00% $1k - $10k
2.50%*$10k*-48 Month CD
OTHER TIERS: 0.75% $1k - $10k
0.80%*$50k*-36 Month CD
OTHER TIERS: 0.65% $1k - $10k | 0.75% $10k - $50k
0.65%*$50k*-24 Month CD
OTHER TIERS: 0.50% $1k - $10k | 0.60% $10k - $50k
0.55%*$50k*-18 Month Bump Rate CD
OTHER TIERS: 0.40% $1k - $10k | 0.50% $10k - $50k
0.45%*$50k*-12 Month CD
OTHER TIERS: 0.30% $1k - $10k | 0.40% $10k - $50k
0.35%*$50k*-6 Month CD
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $50k
0.25%*$50k*-3 Month CD
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $50k
0.20%$100-Youth Certificates

California Coast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%*$10k*-60 Month IRA
OTHER TIERS: 1.00% $1k - $10k
2.50%*$10k*-48 Month IRA
OTHER TIERS: 0.75% $1k - $10k
0.80%*$50k*-36 Month IRA
OTHER TIERS: 0.65% $1k - $10k | 0.75% $10k - $50k
0.65%*$50k*-24 Month IRA
OTHER TIERS: 0.50% $1k - $10k | 0.60% $10k - $50k
0.55%*$50k*-18 Month Bump Rate IRA Certificate
OTHER TIERS: 0.40% $1k - $10k | 0.50% $10k - $50k
0.45%*$50k*-12 Month IRA
OTHER TIERS: 0.30% $1k - $10k | 0.40% $10k - $50k
0.35%*$50k*-6 Month IRA
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $50k
0.25%*$50k*-3 Month IRA
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $50k
Locations

Availability

San Diego Area

Interactive local rates map


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