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California Coast Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.calcoastcu.org
877-495-1600
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 144th largest credit union in the nation. It was established in 1929 and as of March of 2025, it had grown to 538 employees and 208,580 members at 28 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.

1

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

2


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #66584
Year Chartered1929
Employees538
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.7%
Annual Interest Income$34.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.42B$3.44B
LoansQ1 2025vs Q1 2024$2.28B$2.26B
DepositsQ1 2025vs Q1 2024$3.05B$3.11B
Equity CapitalQ1 2025vs Q1 2024$339.5MM$299.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$15.9MM$17.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.9MM$1.4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$208K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

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-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$5kTake 5 Certificate - New Money
3.50%$20k-15 Month CD Special
3.00%$1k-8-Month Liquid CD Special - 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 Special
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 Savings Certificate Special

California Coast Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.55%*$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
0.05%$50-IRA Savings Account
Locations

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