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 23rd largest credit union in the state of California. It is also the 137th largest credit union in the nation. It was established in 1929 and as of December of 2023, it had grown to 523 employees and 201,575 members at 26 locations. California Coast Credit Union has a B+ 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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Appears anyone can join. Online application reads: "Select your eligibility: I am applying for membership online." That's the only option listed on the online application. UPDATED - Maximum deposit is $3k, with only one Certificate allowed per member. Requirements: The following must be done within 30 days of opening the account and the account must remain open for the term of the Certificate. One certificate per Social Security Number (Open or Closed) Must be new money (existing members with new money are eligible), not currently on deposit with the credit union Must have 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 one of the following: New Money Market with a minimum balance of $5,000 OR New Regular Certificate with a minimum balance of $5,000 OR New IRA Certificate with a minimum balance of $5,000 OR New (funded) consumer loan

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 The online interface to access your accounts is a bit outdated but is perfectly usable, has all the information you need, and seems secure, with two factor authentication.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

Credit Check Hard Pull

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This one historically has required all membership applicants to go through a hard pull credit check. Even to become a savings-only member or a checking account-only member. Hard pulls should only be for loans. They reduce credit scores and may prevent banks (Chase especially) from issuing you THEIR products for up to 2 years. Ask first, responses of "we look at everyone's credit" which refuse to be clear about hard/soft pulls always means hard pull. There ARE many local competitors, commercial banks and credit unions, that are customer-friendly and do not do this.

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 - YTD0.86%
Return on Equity - YTD9.59%
Annual Interest Income$116.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$3.29B$3.48B
LoansQ4 2023vs Q4 2022$2.3B$2.35B
DepositsQ4 2023vs Q4 2022$2.96B$3.2B
Equity CapitalQ4 2023vs Q4 2022$295.8MM$256.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$19.3MM$10.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2.4MM$2MM
Real Estate OwnedQ4 2023vs Q4 2022$269K$0

Rates for California Coast Credit Union are currently being reviewed.



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