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 22nd largest credit union in the state of California. It is also the 103rd largest credit union in the nation. It was established in 1929 and as of June of 2019, it had grown to 474 employees and 185,267 members at 26 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 Adds 5-Month CD, 9.00% APY ($3k Max) - 3/25/2019

California Coast Credit Union (easy membership) is offering a 5-month Celebration Certificate, earning 9% APY. New money required, with a $500 min/$3k max deposit.

9% 5Mo CD, $500 Min, $3K Max - Offer Ends Mar 30, 2019 - 3/24/2019 " Celebration Certificate We are celebrating our 90th Anniversary with a great gift for you! Take advantage of our Celebration Certificate and enjoy an exceptionally high rate with a low minimum deposit. Our Celebration Certificate offers. Fixed 9.00% APY 5-month term Low minimum balance of $500 " " Early withdrawal penalty applies. Fees could reduce earnings. Rates are accurate as of 2/4/2019. Offer excludes business and individual retirement accounts. New Money only. A primary member is allowed to open one (1) Celebration Certificate Account under the same member name and related tax identification number. The minimum deposit required to open the Celebration Certificate is $500. Certificate opening deposit balance cannot exceed $3,000. The following conditions also apply: A qualifying checking account with eStatements is required, and must remain active with at least 1 transaction per month, during the certifi

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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.

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 Grade Components

NCUA #66584
Year Chartered1929
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.16%
Annual Interest Income$43.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$2.61B$2.48B
LoansQ2 2019vs Q2 2018$2.05B$1.98B
DepositsQ2 2019vs Q2 2018$2.28B$2.18B
Equity CapitalQ2 2019vs Q2 2018$311.8MM$283.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$10.1MM$10.1MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$4.7MM$4.8MM
Real Estate OwnedQ2 2019vs Q2 2018$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

0.75%$50-Summer Certificate
0.50%$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

California Coast Credit Union Money Market Rates

0.20%*$25k*-Money Market Index
OTHER TIERS: 0.10% $2.5k - $25k
0.20%*$50k*-Money Market Savings Account
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%*$25k*-Business Money Max Index
OTHER TIERS: 0.10% $2.5k - $25k
0.20%*$100k*-Business Money Market Account
OTHER TIERS: 0.05% $2.5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $100k

California Coast Credit Union Checking Account Rates

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

9.00%$500$3k5 Month Celebration Certificate - New Money
2.88%$10k-23 Month Certificate - New Money ($10k)
2.88%$10k-Business 23 Month Certificate - New Money ($10k)
2.25%*$90k*-60 Month CD
OTHER TIERS: 2.00% $1k - $10k | 2.10% $10k - $50k | 2.15% $50k - $90k
1.90%*$90k*-48 Month CD
OTHER TIERS: 1.65% $1k - $10k | 1.75% $10k - $50k | 1.80% $50k - $90k
1.80%$5k-9 Month Certificate - New Money
1.80%$5k-Business 9 Month Certificate - New Money
1.65%*$90k*-36 Month CD
OTHER TIERS: 1.40% $1k - $10k | 1.50% $10k - $50k | 1.55% $50k - $90k
1.15%*$90k*-24 Month CD
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k | 1.05% $50k - $90k
0.85%*$90k*-18 Month Bump Rate CD
OTHER TIERS: 0.50% $1k - $10k | 0.65% $10k - $50k | 0.75% $50k - $90k
0.55%*$90k*-12 Month CD
OTHER TIERS: 0.30% $1k - $10k | 0.40% $10k - $50k | 0.45% $50k - $90k
0.50%$1k-8-Month Liquid CD - New Money
0.45%*$90k*-6 Month CD
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $50k | 0.35% $50k - $90k
0.35%*$90k*-3 Month CD
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $50k | 0.25% $50k - $90k
0.20%$100$3k3 Months - 2 Years Youth CD

California Coast Credit Union IRA Rates

2.88%$10k-23 Month IRA - New Money ($10k)
2.25%*$90k*-60 Month IRA
OTHER TIERS: 2.00% $1k - $10k | 2.10% $10k - $50k | 2.15% $50k - $90k
1.90%*$90k*-48 Month IRA
OTHER TIERS: 1.65% $1k - $10k | 1.75% $10k - $50k | 1.80% $50k - $90k
1.80%$2k-9 Month IRA Certificate - New Money
1.65%*$90k*-36 Month IRA
OTHER TIERS: 1.40% $1k - $10k | 1.50% $10k - $50k | 1.55% $50k - $90k
1.15%*$90k*-24 Month IRA
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k | 1.05% $50k - $90k
0.85%*$90k*-18 Month Bump Rate IRA Certificate
OTHER TIERS: 0.50% $1k - $10k | 0.65% $10k - $50k | 0.75% $50k - $90k
0.55%*$90k*-12 Month IRA
OTHER TIERS: 0.30% $1k - $10k | 0.40% $10k - $50k | 0.45% $50k - $90k
0.45%*$90k*-6 Month IRA
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $50k | 0.35% $50k - $90k
0.35%*$90k*-3 Month IRA
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $50k | 0.25% $50k - $90k


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