California Coast Credit Union


Overview / Commentary
877-495-1600
9201 Spectrum Center Blvd
San Diego, CA 92123

California Coast Credit Union is headquartered in San Diego and is the 24th 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 September of 2024, it had grown to 531 employees and 206,167 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

Reviews (2)

Credit Check Hard Pull

Posted by: |

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

Posted by: |

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

Temecula
32170 Temecula Pkwg Bldg C
Temecula, CA 92592

Tri-city
3485 Marron Rd
Oceanside, CA 92056



Health

Health Grade Components

Overall
NCUA #66584
Year Chartered1929
Employees531
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.1%
Annual Interest Income$100.5MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$3.4B$3.32B
LoansQ3 2024vs Q3 2023$2.29B$2.26B
DepositsQ3 2024vs Q3 2023$3.03B$3.03B
Equity CapitalQ3 2024vs Q3 2023$342MM$268.5MM
Loan Loss AllowanceQ3 2024vs Q3 2023$16.2MM$18.3MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$2.2MM$1.7MM
Real Estate OwnedQ3 2024vs Q3 2023$0$253K
Rates
Report an Issue

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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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-IRA Savings Account
0.05%$50-Business Savings Account
0.05%$50-Special Savings

California Coast Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

California Coast Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500$5k5 Month Celebration Certificate - New Money
3.00%$1k-8-Month Liquid CD - New Money
2.65%*$10k*-60 Month CD
OTHER TIERS: 1.00% $1k - $10k
2.50%*$10k*-48 Month CD
OTHER TIERS: 0.75% $1k - $10k
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
0.25%*$50k*-3 Month CD
OTHER TIERS: 0.10% $1k - $10k | 0.20% $10k - $50k
0.20%$100-Youth Certificates

California Coast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$1k-18 Month Bump Rate IRA Certificate
2.65%*$10k*-60 Month IRA
OTHER TIERS: 1.00% $1k - $10k
2.50%*$10k*-48 Month IRA
OTHER TIERS: 0.75% $1k - $10k
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
0.45%*$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
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.