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Central Coast Federal Credit Union

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Central Coast Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Coast Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Central Coast Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Central Coast Federal Credit Union, and you can see how they compare in the Central Coast Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Central Coast Federal Credit Union with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.31%. Database rates last updated and verified on 08/29/2026.

Central Coast Federal 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 Central Coast Federal Credit Union? Share your experience about Central Coast Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Central Coast Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

4.8

Exceptional Out of 5.0 Stars

Texas Ratio

8.31%

Excellent Higher than avg

Central Coast Federal Credit Union
Main Branch Seaside Office

4242 Gigling Rd
Seaside, CA 93955 6300

https://www.centcoastfcu.com

Current Rate Availability

We're not currently displaying rates for Central Coast Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Central Coast Federal 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 Central Coast Federal 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 Central Coast Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Coast Federal Credit Union

Website https://www.centcoastfcu.com

Address 4242 Gigling Rd, Seaside, CA 93955 6300

Phone 831-393-3480

Fax 831-899-2572

President Juanita Casiano Ferrante

CEO Leinette Limtiaco

Full-Time Employees 45

Part-Time Employees 2

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

8.31%

Return on Assets (ROA)

-0.5780%

Return on Equity (ROE)

-8.4602%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

172,109,348

Total Amount of Shares and Deposits

166,433,258

Total Shares and Deposits < 1 Year

161,840,277

Total Shares and Deposits 1 3 Years

4,592,981

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,088,072

Total Uninsured Shares and Deposits > $250K (F+J)

5,088,072

Total Insured Shares and Deposits > $250K (item 17 less item K)

161,345,186

Total Interest Expense (Sum of items 6 8)

270,565

Share Certificates

816

Number of Accounts for Share Drafts

8,274

IRA KEOGH Accounts

458

Number of Accounts for Regular Shares

17,208

Money Market Shares

290

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

6,788,202

Total Liabilities

170,016,632

Source: NCUA — Last Updated 03/31/2024

2026 MBR Health & Safety Badge

Central Coast Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Central Coast Federal Credit Union

How many branches does Central Coast Federal Credit Union operate?

Central Coast Federal 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 Central Coast Federal Credit Union?

Yes, to access services at Central Coast Federal 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, Central Coast Federal 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, Central Coast Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Central Coast Federal Credit Union offer online and mobile banking?

Most modern institutions like Central Coast Federal 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.centcoastfcu.com.