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 111th largest credit union in the nation. It was established in 1929 and as of March of 2021, it had grown to 512 employees and 192,054 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

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 The online interface to access your accounts is a bit outdated but is perfectly usable, has all the information you need, and seems secure, with two factor authentication.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

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

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 - YTD0.74%
Return on Equity - YTD7.04%
Annual Interest Income$20.3MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$3.32B$3.00B
LoansQ1 2021vs Q1 2020$1.84B$2.22B
DepositsQ1 2021vs Q1 2020$2.91B$2.45B
Equity CapitalQ1 2021vs Q1 2020$344.4MM$338.0MM
Loan Loss AllowanceQ1 2021vs Q1 2020$16.0MM$12.4MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$2.5MM$2.6MM
Real Estate OwnedQ1 2021vs Q1 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-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
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
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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