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 22nd largest credit union in the state of California. It is also the 109th largest credit union in the nation. It was established in 1929 and as of June of 2020, it had grown to 501 employees and 192,752 members at 27 locations. California Coast Credit Union has an A+ 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

Reviews (2)

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 The online interface to access your accounts is a bit outdated but is perfectly usable, has all the information you need, and seems secure, with two factor authentication.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.

Great Place To Get A Free Bank Account And That’S All

I was under the impression a credit union would help me build credit. I started the credit union with a 740 Fico credit score I had built on my own. I am a full time student studying at SDSU. I was denied my first car loan due to owning my own business and no tax paperwork, which I understand. A year later I applied for a loan after working 3 part time jobs. Now with a valid income and direct deposits in my account each month I was denied again. This has become a discrimination issue. I have the Proof of income that is deposited every month straight from my employers!!! After being denied for the amount I am asking twice. I will never be going through a credit union. I would rather pay a higher apr than talk to the incompetent employees like Cindy and Joshua who work there. I asked to talk to a supervisor and was put on hold. Take your business elsewhere!!



Health
A+

Health Grade Components

Overall
NCUA #66584
Year Chartered1929
Employees501
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD4.47%
Annual Interest Income$45.7MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$2.97B$2.61B
LoansQ2 2020vs Q2 2019$2.18B$2.05B
DepositsQ2 2020vs Q2 2019$2.62B$2.28B
Equity CapitalQ2 2020vs Q2 2019$340.7MM$311.8MM
Loan Loss AllowanceQ2 2020vs Q2 2019$15.9MM$10.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.3MM$4.7MM
Real Estate OwnedQ2 2020vs Q2 2019$0$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-Business Savings Account

California Coast Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Money Market Index
0.10%*$10k*-Money Market Savings Account
OTHER TIERS: 0.05% $2.5k - $10k
0.10%$2.5k-Business Money Max Index
0.10%*$2.5k*-Business Money Market Account
OTHER TIERS: 0.05% Up to $2.5k

California Coast Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$500k*-Ultra Performance Checking
OTHER TIERS: 0.05% $2.5k - $500k
0.10%*$95k*-Premier Business Checking
OTHER TIERS: 0.05% $100 - $95k
0.05%$50-Dividend Checking

California Coast Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500$5kTake 5 Certificate
1.30%*$50k*-60 Month CD
OTHER TIERS: 1.15% $1k - $10k | 1.25% $10k - $50k
1.25%*$50k*-48 Month CD
OTHER TIERS: 1.10% $1k - $10k | 1.20% $10k - $50k
1.15%*$50k*-36 Month CD
OTHER TIERS: 1.00% $1k - $10k | 1.10% $10k - $50k
1.05%*$50k*-24 Month CD
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k
0.85%*$90k*-18 Month Bump Rate CD
OTHER TIERS: 0.50% $1k - $10k | 0.65% $10k - $50k | 0.75% $50k - $90k
0.50%$1k-8-Month Liquid CD - New Money
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

California Coast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$50k*-60 Month IRA
OTHER TIERS: 1.15% $1k - $10k | 1.25% $10k - $50k
1.25%*$50k*-48 Month IRA
OTHER TIERS: 1.10% $1k - $10k | 1.20% $10k - $50k
1.15%*$50k*-36 Month IRA
OTHER TIERS: 1.00% $1k - $10k | 1.10% $10k - $50k
1.05%*$50k*-24 Month IRA
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k
0.75%*$50k*-18 Month Bump Rate IRA Certificate
OTHER TIERS: 0.50% $1k - $10k | 0.65% $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 - $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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