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 20th largest credit union in the state of California. It is also the 113th largest credit union in the nation. It was established in 1929 and as of December of 2021, it had grown to 499 employees and 192,974 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)

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 The online interface to access your accounts is a bit outdated but is perfectly usable, has all the information you need, and seems secure, with two factor authentication.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

Temecula
32170 Temecula Pkwg Bldg C
Temecula, CA 92592

Tri-city
3485 Marron Rd
Oceanside, CA 92056



Health
A+

Health Grade Components

Overall
NCUA #66584
Year Chartered1929
Employees499
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.45%
Annual Interest Income$81.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$3.48B$3.25B
LoansQ4 2021vs Q4 2020$1.95B$1.96B
DepositsQ4 2021vs Q4 2020$3.11B$2.84B
Equity CapitalQ4 2021vs Q4 2020$356.1MM$350.0MM
Loan Loss AllowanceQ4 2021vs Q4 2020$11.3MM$17.4MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.4MM$3.1MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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
0.25%$50-Holiday Saver Certificate
0.25%$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$5kTake 5 Certificate - New Money
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
0.25%*$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
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
Locations

Availability



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