What are the current interest rates at Coast Central Credit Union?

Current rates for Coast Central Credit Union include: 24-Month CD: 3.82%, 60-Month CD: 4.18%, Savings: 1.16%

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Coast Central Credit Union

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Coast Central Credit Union Rates & Review September 2026

Q: Is a member application needed to join Coast Central Credit Union?

Yes, to access services at Coast Central 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coast Central 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: September 22, 2026

Coast Central Credit Union's 60 Month Roth IRA CD rates are at 4.33%, 60 Month Savings CDs rates are at 4.33%, 60 Month Savings CDs: to $74,999 rates are at 4.33%, 60 Month Savings CDs: to $9,999 rates are at 4.33%, Simplified Employee Pension (SEP) IRA CDs - 60 month rates are at 4.33%. Coast Central Credit Union's savings rates are at 1.16%. Coast Central Credit Union's 3 & 1 Year ARM rates are at 4.62%, 7 & 1 Year ARM rates are at 4.88%. Coast Central Credit Union's Personal Loan Rates are as low as 9.70%. Coast Central Credit Union's Credit Card Rates are at 9.70%. MonitorBankRates evaluates the financial stability of Coast Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Coast Central Credit Union
Eureka - Harrison Ave

2650 Harrison Ave
Eureka, CA 95501

https://www.coastccu.org

Coast Central Credit Union CD Rates

Product	Rate	APY	Term
60 Month Roth IRA Certificate	4.25%	4.33%	60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
60 Month Savings Certificates	4.25%	4.33%	60 months
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
60 Month Savings Certificates: to $74,999	4.25%	4.33%	60 months
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
60 Month Savings Certificates: to $9,999	4.25%	4.33%	60 months (7700)
Details $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 60 month	4.25%	4.33%	60 months
Details Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
48 - 59 Month Roth IRA Certificate	4.10%	4.18%	48 to 59 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
48 - 59 Month Savings Certificates	4.10%	4.18%	48 to 59 months
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
48 - 59 Month Savings Certificates: to $74,999	4.10%	4.18%	48 to 59 months
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
48 - 59 Month Savings Certificates: to $9,999	4.10%	4.18%	48 months
Details $500; Term: 48 to 59 months (7600) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 48 to 59 month	4.10%	4.18%	48 to 59 months
Details Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Traditional IRA Certificate 48 to 59 month	4.10%	4.18%	48 to 59 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
36 - 47 Month Roth IRA Certificate	3.95%	4.02%	36 to 47 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
36 - 47 Month Savings Certificates	3.95%	4.02%	36 to 47 months
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
36 - 47 Month Savings Certificates: to $74,999	3.95%	4.02%	36 to 47 months
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
36 - 47 Month Savings Certificates: to $9,999	3.95%	4.02%	36 months
Details $500; Term: 36 to 47 months (7500) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 36 to 47 month	3.95%	4.02%	36 to 47 months
Details Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Traditional IRA Certificate 36 to 47 month	3.95%	4.02%	36 to 47 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
24 - 35 Month Roth IRA Certificate	3.85%	3.92%	24 to 35 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
24 - 35 Month Savings Certificates	3.85%	3.92%	24 to 35 months
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
24 - 35 Month Savings Certificates: to $74,999	3.85%	3.92%	24 to 35 months
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
24 - 35 Month Savings Certificates: to $9,999	3.85%	3.92%	24 months
Details $500; Term: 24 to 35 months (7400) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Simplified Employee Pension (SEP) IRA Certificates - 24 to 35 month	3.85%	3.92%	24 to 35 months
Details Dividends for savings certificates are calculated daily and paid monthly. Upon early withdrawal, all savings certificates with a 12-month maturity or less will carry a 60-day forfeiture of dividends. Savings certificates over one year will carry a 90-day forfeiture of dividends. The dividend penalty will never exceed the amount of dividends actually earned. Rates are subject to change at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Traditional IRA Certificate 24 to 35 month	3.85%	3.92%	24 to 35 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
12 - 23 Month Roth IRA Certificate	3.75%	3.82%	12 to 23 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
12 - 23 Month Savings Certificates	3.75%	3.82%	12 to 23 months
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
12 - 23 Month Savings Certificates: to $74,999	3.75%	3.82%	12 to 23 months
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
12 - 23 Month Savings Certificates: to $9,999	3.75%	3.82%	12 months
Details $500; Term: 12 to 23 months (7300) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Traditional IRA Certificate 12 to 23 month	3.75%	3.82%	12 to 23 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
182 - 364 Day Savings Certificates	3.50%	3.56%	182 to 364 days
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
182 - 364 Day Savings Certificates: to $74,999	3.50%	3.56%	182 to 364 days
Details $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
90 - 181 Day Savings Certificates	3.25%	3.30%	90 to 181 Days
Details $75,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Savings Rates

Product	Rate	APY
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $0 Details Balance: 0. to 99. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $100 Details Balance: 100. to 499. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $500 Details Balance: 500. to 2,499. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $2,500 Details Balance: 2,500. to 9,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $10,000 Details Balance: 10,000. + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Education IRA Savings (2300)	1.15%	1.16%
Min Balance $0 Details Dividends for all above accounts are paid quarterly on the daily balance. Savings account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union's available earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Health Savings (2600)	1.15%	1.16%
Min Balance $0 Details Balance: All Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Membership Savings (0100)	1.15%	1.16%
Min Balance $0 Details Balance: 0. to 99. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Membership Savings (0100)	1.15%	1.16%
Min Balance $100 Details Balance: 100. to 499. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Membership Savings (0100)	1.15%	1.16%
Min Balance $500 Details Balance: 500. to 2,499. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Membership Savings (0100)	1.15%	1.16%
Min Balance $2,500 Details Balance: 2,500. to 9,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Membership Savings (0100)	1.15%	1.16%
Min Balance $10,000 Details Balance: 10,000. + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Roth IRA Savings (2100)	1.15%	1.16%
Min Balance $0 Details Dividends for all above accounts are paid quarterly on the daily balance. Savings account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union's available earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
SEP IRA Savings (2400)	1.15%	1.16%
Min Balance $0 Details Dividends for all above accounts are paid quarterly on the daily balance. Savings account dividends will be declared by the Board of Directors at the end of each quarter. The above yields represent what was paid during the above quarter. Law prohibits the payment of dividends in excess of the credit union's available earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Savings (0200)	1.15%	1.16%
Min Balance $0 Details Balance: 0. to 499. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Savings (0200)	1.15%	1.16%
Min Balance $500 Details Balance: 500. to 2,499. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Savings (0200)	1.15%	1.16%
Min Balance $2,500 Details Balance: 2,500. to 9,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Savings (0200)	1.15%	1.16%
Min Balance $10,000 Details Balance: 10,000. + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Youth Savings (1800)	1.15%	1.16%
Min Balance $0 Details Balance: All Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Holiday Club (0900)	0.20%	0.20%
Min Balance $0 Details Balance: All Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Checking Rates

Product	Rate	APY
Business Interest Checking (5200, 6200)	0.20%	0.20%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Interest Checking (0500)	0.20%	0.20%
Min Balance $0 Details Balance: All Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3 & 1 Year ARM	4.63%	No points	4.74%	Up to 30 years
Details Term: Up to 30 years financing; Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
7 & 1 Year ARM	4.88%	No points	4.99%	Up to 30 years
Details Term: Up to 30 years financing; Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (Open-Ended Loan)	6.50%	-	6.50%	15 Year Variable
Details Rates are for owner-occupied properties. Non-owner-occupied rates & terms available; Lifetime cap is 6% over original rate. Maximum loan of $300,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Home Equity Loan (Closed-Ended Loan)	7.00%	-	7.00%	10 Year Fixed
Details Rates are for owner-occupied properties. Non-owner-occupied rates & terms available; No points or fees (appraisal fees may apply). Maximum loan of $300,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Home Equity Loan (Closed-Ended Loan)	7.50%	-	7.50%	15 Year Fixed
Details Rates are for owner-occupied properties. Non-owner-occupied rates & terms available; No points or fees (appraisal fees may apply). Maximum loan of $300,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Home Construction (with automatic rollover)	3.75%	2 points	4.09%	30 Years
Details Up to 80% of appraised value, not to exceed 100% of cost to build. $400 upfront application fee. $1,500 origination fee. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
New & Used Autos	-	-	5.24%
Details As Low As; up to 84-month financing Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boat & RV Loans (New & Used)	-	7.50%
Details As Low As; Up to 100% financing of the approved value, including tax and license. Up to 120-month financing. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Card	9.70%	9.70%
Details Rate: as low as 9.70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business VARIABLE	9.70%	9.70%
Details Credit Score: 730 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business VARIABLE	9.95%	9.95%
Details Credit Score: 700-729 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa VARIABLE	10.70%	10.70%
Details Credit Score: 730 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Classic Card	10.70%	10.70%
Details Rate: as low as 10.70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa VARIABLE	10.95%	10.95%
Details Credit Score: 700-729 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa VARIABLE	11.95%	11.95%
Details Credit Score: 675-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Platinum Card	14.70%	14.70%
Details Rate: as low as 14.70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business FIXED	14.70%	14.70%
Details Credit Score: 730 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business FIXED	14.95%	14.95%
Details Credit Score: 700-729 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa FIXED	15.70%	15.70%
Details Credit Score: 730 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Classic Card	15.70%	15.70%
Details Rate: as low as 15.70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa FIXED	15.95%	15.95%
Details Credit Score: 700-729 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa VARIABLE	15.95%	15.95%
Details Credit Score: 650-674 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa FIXED	16.95%	16.95%
Details Credit Score: 675-699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa VARIABLE	18.95%	18.95%
Details Credit Score: 610-649 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa FIXED	20.95%	20.95%
Details Credit Score: 650-674 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Visa FIXED	23.95%	23.95%
Details Credit Score: 610-649 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Personal Loan Rates

Product	APR	Term
Visa Signature Business VARIABLE	9.70%
Details Credit Score: 730 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business VARIABLE	9.95%
Details Credit Score: 700-729 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Personal Loan and Personal Line of Credit	12.00%	Variable
Details Open line of credit. Maximum loan of $50,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Personal Loans and Lines of Credit	12.00%	up to 5 years
Details As Low As; Maximum loan of $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business FIXED	14.70%
Details Credit Score: 730 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Visa Signature Business FIXED	14.95%
Details Credit Score: 700-729 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Coast Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Real Estate Loans - 15 Years	4.75%	0.000	4.95%	15 Years
Details Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Fixed Real Estate Loans - 30 Years	5.50%	0.000	5.62%	30 Years
Details Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. APR is based on a $100,000 loan amount. Rates also available for Non-Owner Occupied. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Manufactured Home in Park Loan	7.50%	1 Point	7.81%	Up to 20 years
Details Term: Up to 20 years financing; Up to 80% of the appraised value. 2003 or newer. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Quarterly Adjustable Loan	3.75%	No points	3.86%	Up to 30 years
Details Term: Up to 30 years financing; Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Unimproved Property Loan	7.75%	1 point	8.06%	20 Years
Details Up to 60% of land value. Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $100,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above. ARM Rates have a 6% lifetime cap over original rate. Rates are for owner-occupied properties. Non-owner-occupied rates available. Annual Percentage Rates shown are based on a $100,000 loan amount. The APR will vary according to term, amount of loan, and other prepaid finance charges. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Liquid Assets (7000)	0.75%	-	0.75%
Min Balance $0 Details Balance: 0. to 9,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Liquid Assets (7000)	1.00%	-	1.01%
Min Balance $10,000 Details Balance: 10,000. to 24,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Liquid Assets (7000)	1.15%	-	1.16%
Min Balance $25,000 Details Balance: 25,000. to 49,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Liquid Assets (7000)	1.30%	-	1.31%
Min Balance $50,000 Details Balance: 50,000. to 74,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Business Liquid Assets (7000)	1.40%	-	1.41%
Min Balance $75,000 Details Balance: 75,000. + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Coverdell Education Savings Account (ESA) Certificates - 24 to 35 months	3.85%	-	3.92%	24 to 35 months
Details 9200 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Coverdell Education Savings Account (ESA) Certificates - 36 to 47 months	3.95%	-	4.02%	36 to 47 months
Details 9300 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Coverdell Education Savings Account (ESA) Certificates - 48 to 59 months	4.10%	-	4.18%	48 to 59 months
Details 9400 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Coverdell Education Savings Account (ESA) Certificates - 60 months	4.25%	-	4.33%	60 months
Details 9500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Liquid Assets (0700)	0.75%	-	0.75%
Min Balance $0 Details Balance: 0. to 9,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Liquid Assets (0700)	1.00%	-	1.01%
Min Balance $10,000 Details Balance: 10,000. to 24,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Liquid Assets (0700)	1.15%	-	1.16%
Min Balance $25,000 Details Balance: 25,000. to 49,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Liquid Assets (0700)	1.30%	-	1.31%
Min Balance $50,000 Details Balance: 50,000. to 74,999. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Liquid Assets (0700)	1.40%	-	1.41%
Min Balance $75,000 Details Balance: 75,000. + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Coast Central Credit Union’s Texas Ratio rose from 1.56% in Q2 2023 to 2.12% in Q1 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
March 31, 2026	$2.3B	2.12%	5.0	A+
December 31, 2025	$2.3B	2.74%	5.0	A+
September 30, 2025	$2.3B	1.11%	5.0	A+
June 30, 2025	$2.2B	4.61%	5.0	A+
March 31, 2025	$2.2B	1.26%	5.0	A+
December 31, 2024	$2.2B	2.01%	5.0	A+
September 30, 2024	$2.1B	1.67%	5.0	A+
June 30, 2024	$2.0B	1.62%	5.0	A+
March 31, 2024	$2.0B	1.89%	5.0	A+
December 31, 2023	$2.1B	1.70%	5.0	A+
September 30, 2023	$2.0B	1.03%	5.0	A+
June 30, 2023	$2.0B	1.56%	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 Coast Central 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 Coast Central 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 Coast Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coast Central Credit Union

Website https://www.coastccu.org

Address 2650 Harrison Ave, Eureka, CA 95501

Phone 707-445-8801

Fax 707-442-2532

President Ron Rudebock

CEO Fred Moore

Full-Time Employees 255

Part-Time Employees 23

Branch Locations 11

ATM Locations 11

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

2.12%

Return on Assets (ROA)

0.2034%

Return on Equity (ROE)

1.7254%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

2,322,103,278

Total Amount of Shares and Deposits

2,060,771,642

Total Shares and Deposits < 1 Year

1,794,141,858

Total Shares and Deposits 1 3 Years

245,632,261

Total Shares and Deposits > 3 Years

20,997,524

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

360,072,357

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

360,072,357

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

1,700,699,285

Total Interest Expense (Sum of items 6 8)

9,719,514

Share Certificates

14,159

Number of Accounts for Share Drafts

56,004

IRA KEOGH Accounts

4,720

Number of Accounts for Regular Shares

81,005

All other shares

2,938

Money Market Shares

26,939

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)

364,736,992

Total Liabilities

2,095,957,011

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Coast Central Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Coast Central Credit Union

How many branches does Coast Central Credit Union operate?

Coast Central 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 Coast Central Credit Union?

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

Does Coast Central Credit Union offer online and mobile banking?

Most modern institutions like Coast Central 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.coastccu.org.

Current Coast Central Credit Union Rates

24-Month CD3.82%
60-Month CD4.18%
Savings1.16%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Coast Central Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Coast Central Credit Union Texas Ratio

Coast Central Credit Union Health Trend

Coast Central Credit Union CD Rates

Coast Central Credit Union Savings Rates

Coast Central Credit Union Checking Rates

Coast Central Credit Union Mortgage Rates

Coast Central Credit Union Home Equity & HELOC

Coast Central Credit Union Auto Loan Rates

Coast Central Credit Union RV, Boat and Powersport Loan Rates

Coast Central Credit Union Credit Card Rates

Coast Central Credit Union Personal Loan Rates

Coast Central Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Coast Central Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Coast Central Credit Union

How many branches does Coast Central Credit Union operate?

Is a member application needed to join Coast Central Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Coast Central Credit Union offer online and mobile banking?

Current Coast Central Credit Union Rates

Compare to Other Credit Unions