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 101st largest credit union in the nation. It was established in 1929 and as of March of 2019, it had grown to 473 employees and 183,908 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
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3/24 - 9% 5Mo CD, $500 Min, $3K Max - Offer Ends Mar 30, 2019
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 The online interface to access your accounts is a bit outdated but is perfectly usable, has all the information you need, and seems secure, with two factor authentication.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!!
Data as of Q1 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66584 |
| Year Chartered | 1929 |
| Employees | 473 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.82% |
| Return on Equity - YTD | 6.93% |
| Annual Interest Income | $21.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $2.61B$2.49B |
| Loans | Q1 2019vs Q1 2018 | $2.06B$1.92B |
| Deposits | Q1 2019vs Q1 2018 | $2.29B$2.20B |
| Equity Capital | Q1 2019vs Q1 2018 | $303.5MM$278.4MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $10.0MM$9.9MM |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $3.7MM$3.6MM |
| Real Estate Owned | Q1 2019vs Q1 2018 | $0$0 |
This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.
9% 5Mo CD, $500 Min, $3K Max - Offer Ends Mar 30, 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 certificate term. Eligible transactions include, but are not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay. As an alternative, the following products existing or opened within 30 days of the Certificate Account date can be substituted for the checking account requirement: a consumer loan (excluding share secured loans and Mastercard credit card account), or a minimum balance of $5,000 in a money market account, a regular certificate account, or an IRA certificate account. The stated alternative deposit account must remain open for the certificate term period. You will have a 30-day grace period to meet the requirements. If the conditions are not met, the stated APY may be reduced to the APY in effect for a 3-Month Certificate Account for the remainder of the term. Other restrictions may apply. Other rates and terms available.
Serving anyone who lives or works in San Diego or Riverside counties. New members – a one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Limited time offer, subject to change without notice. Visit a California Coast Credit Union branch or call (877) 495-1600 for details on rates, fees, and minimum balance requirements. "
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There is also the possibility of a $50 bonus for signing up:
https://www.calcoastcu.org/special.htm
” New members—get $50 when you open an account!
Hurry—offer expires March 30, 2019!
You’ll score $50 when you open a Free Checking account with eStatements, deposit $25 into your new savings account and add direct deposit or online banking.
… Use the “REWARD” promo code when opening your account. ”
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And Doctor of Credit reports that you can use a credit card to fund up to the full $3k max into the CD and $2.1k into the savings account; great opportunity to meet a credit card bonus spending requirement if you're into that.
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.
