Overview / Commentary
2650 Harrison Ave
Eureka, CA 95501

Coast Central Credit Union is headquartered in Eureka and is the 33rd largest credit union in the state of California. It is also the 199th largest credit union in the nation. It was established in 1974 and as of December of 2018, it had grown to 210 employees and 69,053 members at 11 locations. Coast Central Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Coast Central Credit Union is open to those who live or work in Del Norte, Humboldt, or Trinity Counties in California. Membership is also open to students of Humboldt State University or College of the Redwoods.
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Reviews (2)

Great Experience

Posted by: BrendanL | May 20, 2014

I've been banking with Coast Central Credit union for about 5 years now, and I've had nothing but fantastic experiences with them. The big banks can slap you with fees, change the terms to your accounts frequently, and just act like they don't really value you as a customers. I've never felt this way at all at CCCU. I've never even encountered a single fee, let alone one that was unfairly assessed. The tellers here are always very friendly and knowledgeable. You can tell they want to be there, too-- because some of them have been working with CCCU since I started banking here. I wish there were more ATMs, but given the size of this town, it's really not an issue.

Coast Central Credit Union Hacked

Posted by: NateK | Feb 27, 2016

Brian Krebs: "Notifying people and companies about data breaches often can be a frustrating and thankless job. Despite my best efforts, sometimes a breach victim I’m alerting will come away convinced that I am not an investigative journalist but instead a scammer. This happened most recently this week, when I told a California credit union that its online banking site was compromised and apparently had been for nearly two months."

Brian Krebs ( Krebs on Security blog )

Credit Union Times

Lost Coast Outpost


Health Grade Components

NCUA #62367
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD10.5%
Annual Interest Income$43.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.47B$1.38B
LoansQ4 2018vs Q4 2017$683.8MM$617.2MM
DepositsQ4 2018vs Q4 2017$1.24B$1.16B
Equity CapitalQ4 2018vs Q4 2017$157.9MM$145.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$5.0MM$4.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.7MM$2.5MM
Real Estate OwnedQ4 2018vs Q4 2017$119.00K$133.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Coast Central Credit Union Savings Account Rates

0.75%*$75k*-Liquid Assets Account
OTHER TIERS: 0.10% Up to $10k | 0.35% $10k - $25k | 0.55% $25k - $50k | 0.60% $50k - $75k
0.75%*$75k*-Business Liquid Assets
OTHER TIERS: 0.10% Up to $10k | 0.35% $10k - $25k | 0.55% $25k - $50k | 0.60% $50k - $75k
0.40%--Traditional IRA Savings
0.40%--Roth IRA Savings
0.40%--Education IRA Savings
0.40%--SEP IRA Savings
0.40%--Health Savings Account (HSA)
0.35%*$10k*-Membership Savings
OTHER TIERS: 0.20% $100 - $500 | 0.25% $500 - $2.5k | 0.30% $2.5k - $10k
0.35%*$10k*-Special Savings Account
OTHER TIERS: 0.20% Up to $500 | 0.25% $500 - $2.5k | 0.30% $2.5k - $10k
0.35%--Youth Savings Account
0.35%*$10k*-Business Membership Savings
OTHER TIERS: 0.20% $100 - $500 | 0.25% $500 - $2.5k | 0.30% $2.5k - $10k
0.35%*$10k*-Business Special Savings
OTHER TIERS: 0.20% Up to $500 | 0.25% $500 - $2.5k | 0.30% $2.5k - $10k
0.25%--Holiday Club Account

Coast Central Credit Union Checking Account Rates

0.10%--Interest Checking
0.05%--Business Interest Checking
0.05%--Business Transfer Account
0.02%--Business Analysis Account

Coast Central Credit Union CD Rates

2.78%*$75k*-60 Month CD
OTHER TIERS: 2.58% $500 - $10k | 2.68% $10k - $75k
2.68%*$75k*-48 to 59 Month CD
OTHER TIERS: 2.48% $500 - $10k | 2.58% $10k - $75k
2.63%*$75k*-36 to 47 Month CD
OTHER TIERS: 2.43% $500 - $10k | 2.53% $10k - $75k
2.58%*$75k*-24 to 35 Month CD
OTHER TIERS: 2.38% $500 - $10k | 2.48% $10k - $75k
2.32%*$75k*-12 to 23 Month CD
OTHER TIERS: 2.12% $500 - $10k | 2.22% $10k - $75k
1.00%*$75k*-182 to 364 Day CD
OTHER TIERS: 0.80% $500 - $10k | 0.90% $10k - $75k
0.60%*$75k*-90 to 181 Day CD
OTHER TIERS: 0.50% $10k - $75k

Coast Central Credit Union IRA Rates

2.78%$500-60 Month IRA
2.78%$500-60 Month Roth IRA
2.78%$500-60 Month CESA
2.78%$500-60 Month SEP IRA
2.68%$500-48 to 59 Month IRA
2.68%$500-48 to 59 Month Roth IRA
2.68%$500-48 to 59 Month CESA
2.68%$500-48 to 59 Month SEP IRA
2.63%$500-36 to 47 Month IRA
2.63%$500-36 to 47 Month Roth IRA
2.63%$500-36 to 47 Month CESA
2.63%$500-36 to 47 Month SEP IRA
2.58%$500-24 to 35 Month IRA
2.58%$500-24 to 35 Month Roth IRA
2.58%$500-24 to 35 Month CESA
2.58%$500-24 to 35 Month SEP IRA
2.32%$500-12 to 23 Month IRA
2.32%$500-12 to 23 Month Roth IRA
2.32%$500-12 to 23 Month CESA
2.32%$500-12 to 23 Month SEP IRA


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