California Coast Credit Union

Overview / Commentary
9201 Spectrum Center Blvd
San Diego, CA 92123

California Coast Credit Union is headquartered in San Diego and is the 21st largest credit union in the state of California. It is also the 112th largest credit union in the nation. It was established in 1929 and as of June of 2021, it had grown to 500 employees and 190,308 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

Related Posts

California Coast Credit Union Has High Rate 5-Month CD ($5k Max) - 9/23/2021

California Coast Credit Union (easy membership) is currently offering a very competitive 5-month CD Special to new members. $500 min/$5k max deposit new money.

5% APY Certificate 5 Months Up To $5K For New Members, Other Conditions Also - 1/29/2021

5% APY certificate 5 months up to $5K for new members, other conditions also Conditions: The Take 5 Certificate offer is available to new members only. This offer excludes existing memberships. A primary member is allowed to open one Take 5 Certificate Account under the same member name and related tax identification number. The minimum balance required to open the Take 5 Certificate and obtain the APY is $500. The maximum opening deposit balance is $5,000. In addition to the minimum balance requirements the following conditions also apply: (a) Consumer Account Members: 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 open (funded) consumer loan (excluding share secured loans and Mastercard credit card account) OR a minimum balance of $5,000 in a money market account, regular certificat

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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.

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

32170 Temecula Pkwg Bldg C
Temecula, CA 92592

3485 Marron Rd
Oceanside, CA 92056


Health Grade Components

NCUA #66584
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD5.89%
Annual Interest Income$40.4MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.33B$2.97B
LoansQ2 2021vs Q2 2020$1.84B$2.18B
DepositsQ2 2021vs Q2 2020$2.96B$2.62B
Equity CapitalQ2 2021vs Q2 2020$350.4MM$340.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$15.4MM$15.9MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$2.0MM$2.3MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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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

0.50%$50-Summer Certificate
0.45%$50-Holiday Saver 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

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

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

California Coast Credit Union CD Rates

5.00%$500$5kTake 5 Certificate - New Money
1.15%*$50k*-60 Month CD
OTHER TIERS: 1.00% $1k - $10k | 1.10% $10k - $50k
0.90%*$50k*-48 Month CD
OTHER TIERS: 0.75% $1k - $10k | 0.85% $10k - $50k
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
0.35%$1k-8-Month Liquid CD - New Money
0.25%*$50k*-3 Month CD
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $50k
0.20%$100-Youth Certificate

California Coast Credit Union IRA Rates

1.15%*$50k*-60 Month IRA
OTHER TIERS: 1.00% $1k - $10k | 1.10% $10k - $50k
0.90%*$50k*-48 Month IRA
OTHER TIERS: 0.75% $1k - $10k | 0.85% $10k - $50k
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


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