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California Coast Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
California Coast Credit Union's 60 Month IRA CD rates are at 2.65%, 48 Month IRA CD rates are at 2.50%, 36 Month IRA CD rates are at 0.80%, 24 Month IRA CD rates are at 0.65%, 18 Month Bump Rate IRA CD rates are at 0.55%. California Coast Credit Union's savings rates are at 0.05%. California Coast Credit Union's money market rates are at 0.05%. California Coast Credit Union's checking rates are as high as 0.05%. California Coast Credit Union's Conforming Fixed-Rate Mortgage - 5-year Fixed - TermBuster rates are at 6.50%, 5/1 Jumbo ARM rates are at 5.50%, 5/1 ARM rates are at 5.50%, Conforming Adjustable-Rate Mortgage - 5/1 ARM rates are at 5.50%, Conforming Fixed-Rate Mortgage - 7-year Fixed - Termbuster rates are at 6.62%. California Coast Credit Union's Personal Loan Rates are as low as 3.58%. California Coast Credit Union's top CD rate of 2.65% APY on a 5 year CD is 9% lower than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of California Coast Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.25%. Rates last updated and verified on 10/29/2026.
California Coast Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at California Coast Credit Union? Share your experience about California Coast Credit Union by leaving a review below, or read customer reviews before you decide to use California Coast Credit Union.
California Coast Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
California Coast Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.25%
ExcellentLower than avg
California Coast Credit Union Texas Ratio
California Coast Credit Union's Texas Ratio is 1.25%, which is considered excellent and is lower than the national average of 6.13%.
California Coast Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.38% to 1.25% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
California Coast Credit Union CD Rates
Product
Rate
APY
Term
View More
60-Month IRA CD
2.62%
2.65%
60 months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
60-Month IRA CD
2.62%
2.65%
60 months
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
60-Month IRA CD
2.62%
2.65%
60 months
Min Balance$90,000
DetailsBalance: $90,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
48-Month IRA CD
2.47%
2.50%
48 months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
48-Month IRA CD
2.47%
2.50%
48 months
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
48-Month IRA CD
2.47%
2.50%
48 months
Min Balance$90,000
DetailsBalance: $90,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
60-Month IRA CD
1.00%
1.00%
60 months
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
36-Month IRA CD
0.80%
0.80%
36 Month
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
36-Month IRA CD
0.80%
0.80%
36 Month
Min Balance$90,000
DetailsBalance: $90,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
36-Month IRA CD
0.75%
0.75%
36 Month
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
48-Month IRA CD
0.75%
0.75%
48 months
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
24-Month IRA CD
0.65%
0.65%
24 months
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
24-Month IRA CD
0.65%
0.65%
24 months
Min Balance$90,000
DetailsBalance: $90,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
36-Month IRA CD
0.65%
0.65%
36 Month
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
24-Month IRA CD
0.60%
0.60%
24 months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
18-Month Bump Rate IRA CD
0.55%
0.55%
18 months
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
18-Month Bump Rate IRA CD
0.55%
0.55%
18 months
Min Balance$90,000
DetailsBalance: $90,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 22, 2026 · 0.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
18-Month Bump Rate IRA CD
0.50%
0.50%
18 months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
24-Month IRA CD
0.50%
0.50%
24 months
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
18-Month Bump Rate IRA CD
0.40%
0.40%
18 months
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
6-Month IRA CD
0.35%
0.35%
6 months
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
6-Month IRA CD
0.35%
0.35%
6 months
Min Balance$90,000
DetailsBalance: $90,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
6-Month IRA CD
0.30%
0.30%
6 months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
3-Month IRA CD
0.25%
0.25%
3 months
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
3-Month IRA CD
0.25%
0.25%
3 months
Min Balance$90,000
DetailsBalance: $90,000 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
3-Month IRA CD
0.20%
0.20%
3 months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
6-Month IRA CD
0.20%
0.20%
6 months
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
3-Month IRA CD
0.10%
0.10%
3 months
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
California Coast Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
0.05%
0.05%
Min Balance$50
DetailsBalance: $50 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$90,000
DetailsBalance: $90,000 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$500,000
DetailsBalance: $500,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Primary Savings
0.05%
0.05%
Min Balance$50
DetailsBalance: $50 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Smart Savings
0.05%
0.05%
Min Balance$1,000
DetailsBalance: $1,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Special Savings
0.05%
0.05%
Min Balance$50
DetailsBalance: $50 or more; Under $50 earns Paid
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
California Coast Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market Index
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500.00 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Index
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$90,000
DetailsBalance: $90,000 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Money Market Savings
0.05%
0.05%
Min Balance$500,000
DetailsBalance: $500,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
California Coast Credit Union Checking Rates
Product
Rate
APY
View More
Dividend Checking
0.05%
0.05%
Min Balance$50
DetailsBalance: $50 or more; Dividend rates and APYs are accurate as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Ultra Performance Checking
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Ultra Performance Checking
0.05%
0.05%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Ultra Performance Checking
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Ultra Performance Checking
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 - $89,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Ultra Performance Checking
0.05%
0.05%
Min Balance$90,000
DetailsBalance: $90,000 - $499,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Ultra Performance Checking
0.05%
0.05%
Min Balance$500,000
DetailsBalance: $500,000 or more
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
2 changes since Sep 18, 2026 · 6.50% → 6.62% ▲ 0.12 pts · high 6.88% / low 6.50%
Oct 26, 20266.62%▼ from 6.88%
Oct 1, 20266.88%▲ from 6.50%
Sep 18, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Equity Advantage Line of Credit
7.00%
0.000%
7.00%
DetailsHome Equity Line of Credit; rates as of 10/25/2026
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.25%
Financial Health History
California Coast Credit Union’s Texas Ratio rose from 0.38% in Q3 2023 to 1.25% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$3.5B
1.25%
5.0
A+
March 31, 2026
$3.5B
1.16%
5.0
A+
December 31, 2025
$3.4B
1.25%
5.0
A+
September 30, 2025
$3.4B
0.55%
5.0
A+
June 30, 2025
$3.4B
0.83%
5.0
A+
March 31, 2025
$3.4B
0.63%
5.0
A+
December 31, 2024
$3.4B
0.77%
5.0
A+
September 30, 2024
$3.4B
0.48%
5.0
A+
June 30, 2024
$3.4B
0.39%
5.0
A+
March 31, 2024
$3.4B
0.32%
5.0
A+
December 31, 2023
$3.3B
0.54%
5.0
A+
September 30, 2023
$3.3B
0.38%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for California Coast Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather California Coast Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with California Coast Credit Union's official website for the most current offers and terms.
Address
9201 Spectrum Center Blvd,
San Diego, CA 92123-1407
Phone877-495-1600
Fax858-495-1672
PresidentRonald Villa
CEOTodd Lane
Full-Time Employees523
Part-Time Employees40
Branch Locations25
ATM Locations23
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.25%
Return on Assets (ROA)
0.5813%
Return on Equity (ROE)
4.1773%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
3,476,078,206
Total Amount of Shares and Deposits
3,050,733,973
Total Shares and Deposits < 1 Year
2,992,837,575
Total Shares and Deposits 1 3 Years
44,931,250
Total Shares and Deposits > 3 Years
12,965,149
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
70,108,938
Total Uninsured Shares and Deposits > $250K (F+J)
70,867,502
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,979,866,471
Total Interest Expense (Sum of items 6 8)
14,957,104
Share Certificates
29,215
Number of Accounts for Share Drafts
163,790
IRA KEOGH Accounts
5,347
Number of Accounts for Regular Shares
255,785
Non Member Deposits
1
Money Market Shares
13,660
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
334,023,250
Total Liabilities
3,080,264,795
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
California Coast Credit Union earned the Verified Healthy badge
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Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About California Coast Credit Union
Does California Coast Credit Union offer CDs?
Yes. California Coast Credit Union current CD rates include its 60 Month IRA CD at 2.65% APY, its 48 Month IRA CD at 2.50% APY and its 36 Month IRA CD at 0.80% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from California Coast Credit Union NCUA insured?
Yes. California Coast Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at California Coast Credit Union?
The highest California Coast Credit Union CD rate is its 60 Month IRA CD at 2.65% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does California Coast Credit Union offer?
California Coast Credit Union CD rates are 0.40% APY for an 18 month CD, 0.50% APY for a 2 year CD, 0.80% APY for a 3 year CD, 2.50% APY for a 4 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with California Coast Credit Union for its full lineup.
What is the highest savings rate at California Coast Credit Union?
The highest California Coast Credit Union savings rate is its IRA Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at California Coast Credit Union?
The highest California Coast Credit Union money market rate is its Money Market Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at California Coast Credit Union?
The highest California Coast Credit Union checking rate is its Dividend Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest mortgage rate at California Coast Credit Union?
The lowest California Coast Credit Union mortgage rate is its 5/1 Jumbo ARM at 5.50%, verified by MonitorBankRates as of October 29, 2026. California Coast Credit Union mortgage rates are 7.25% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.75% for a 10 year mortgage, 6.625% for a 7 year mortgage, 6.50% for a 5 year mortgage, 5.50% for a 5/1 ARM and 5.625% for a 5/5 ARM.
What is the lowest auto loan rate at California Coast Credit Union?
The lowest California Coast Credit Union auto loan rate is its Auto Loans at 4.68% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at California Coast Credit Union?
The lowest California Coast Credit Union personal loan rate is its Signature Loan at 12.88% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does California Coast Credit Union operate?
California Coast Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join California Coast Credit Union?
Yes, to access services at California Coast Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, California Coast Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, California Coast Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does California Coast Credit Union offer online and mobile banking?
Most modern institutions like California Coast Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.calcoastcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do California Coast Credit Union rates compare?
California Coast Credit Union's top CD rate of 2.65% APY on a 5 year CD is 9% lower than the MonitorBankRates national average of 2.92% APY for that term, and it has an A+ health rating. California Coast Credit Union's top rates are its 60 Month IRA CD at 2.65% APY, its IRA Savings at 0.05% APY, its Money Market Index at 0.05% APY, its Dividend Checking at 0.05% APY, its 5/1 Jumbo ARM at 5.50% and its GoGreen Home Energy Loans: Bundled Solar + Battery Storage at 3.58% APR, verified by MonitorBankRates on October 29, 2026.
Current California Coast Credit Union Rates
18-Month CD0.40%
24-Month CD0.50%
60-Month CD1.00%
Savings0.05%
MMA0.05%
Retrieved from our database of financial products. Rates subject to change.