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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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Coast Central Credit Union

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Coast Central Credit Union Rates & Review October 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: October 9, 2026

Coast Central Credit Union's top rates as of October 9, 2026 are 4.33% APY on its 60 Month Roth IRA CD, 1.16% APY on savings, 0.20% APY on checking, 5.58% on its JUMBO Real Estate Loan mortgage, personal loans from 9.70% APR, and credit cards from 9.70% APR, according to rates verified by MonitorBankRates. Other Coast Central Credit Union CD rates include 60 Month Savings CDs at 4.33%, Savings CDs: - 60 month at 4.33%, and Traditional IRA CD - 60 month at 4.33%. Other Coast Central Credit Union mortgage rates include JUMBO Real Estate Loan at 6.08%, and JUMBO Real Estate Loan at 6.33%. 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 2.92%. Rates last updated and verified on 10/09/2026.

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 Q2 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

2.92%

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

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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.

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 10/09/2026 Rate History No change since Sep 22, 2026 · 4.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
60 Month Savings Certificates	4.25%	4.33%	60 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 60 month	4.25%	4.33%	60 months
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Traditional IRA Certificate - 60 month	4.25%	4.33%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.33% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
48 - 59 Month Roth IRA Certificate	4.10%	4.18%	48 to 59 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.18% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
48 - 59 Month Savings Certificates	4.10%	4.18%	48 to 59 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.18% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 48 to 59 month	4.10%	4.18%	48 to 59 months
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
SEP IRA Certificate 48 to 59 month	4.10%	4.18%	48 to 59 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Traditional IRA Certificate - 48 to 59 month	4.10%	4.18%	48 to 59 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
36 - 47 Month Roth IRA Certificate	3.95%	4.02%	36 to 47 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
36 - 47 Month Savings Certificates	3.95%	4.02%	36 to 47 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 36 to 47 month	3.95%	4.02%	36 to 47 months
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
SEP IRA Certificate 36 to 47 month	3.95%	4.02%	36 to 47 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Traditional IRA Certificate - 36 to 47 month	3.95%	4.02%	36 to 47 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
24 - 35 Month Roth IRA Certificate	3.85%	3.92%	24 to 35 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
24 - 35 Month Savings Certificates	3.85%	3.92%	24 to 35 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 24 to 35 month	3.85%	3.92%	24 to 35 months
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
SEP IRA Certificate 24 to 35 month	3.85%	3.92%	24 to 35 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Traditional IRA Certificate - 24 to 35 month	3.85%	3.92%	24 to 35 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
12 - 23 Month Roth IRA Certificate	3.75%	3.82%	12 to 23 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
12 - 23 Month Savings Certificates	3.75%	3.82%	12 to 23 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 12 to 23 month	3.75%	3.82%	12 to 23 months
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
SEP IRA Certificate 12 to 23 month	3.75%	3.82%	12 to 23 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Traditional IRA Certificate - 12 to 23 month	3.75%	3.82%	12 to 23 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
182 - 364 Day Savings Certificates	3.50%	3.56%	182 to 364 days
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 182 to 364 days	3.50%	3.56%	182 to 364 days
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
90 - 181 Day Savings Certificates	3.25%	3.30%	90 to 181 Days
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. $10,000 to $74,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Savings Certificates: - 90 to 181 Days	3.25%	3.30%	90 to 181 Days
Details $75,000 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Savings Rates

Product	Rate	APY
Education IRA Savings (2300)	1.15%	1.16%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Health Savings	1.15%	1.16%
Details Balance: All Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Membership Savings	1.15%	1.16%
Min Balance $0 Details Balance: 0. to 99. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Membership Savings	1.15%	1.16%
Min Balance $100 Details Balance: 100. to 499. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Membership Savings	1.15%	1.16%
Min Balance $500 Details Balance: 500. to 2,499. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Membership Savings	1.15%	1.16%
Min Balance $2,500 Details Balance: 2,500. to 9,999. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Membership Savings	1.15%	1.16%
Min Balance $10,000 Details Balance: 10,000. + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Roth IRA Savings (2100)	1.15%	1.16%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
SEP IRA Savings (2400)	1.15%	1.16%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Special Savings	1.15%	1.16%
Min Balance $0 Details Balance: 0. to 499. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Special Savings	1.15%	1.16%
Min Balance $500 Details Balance: 500. to 2,499. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Special Savings	1.15%	1.16%
Min Balance $2,500 Details Balance: 2,500. to 9,999. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Special Savings	1.15%	1.16%
Min Balance $10,000 Details Balance: 10,000. + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Youth Savings	1.15%	1.16%
Details Balance: All Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Youth Special Savings	1.15%	1.16%
Details Balance: All Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Holiday Club	0.20%	0.20%
Details Balance: All Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Business Savings Rates

Product	Rate	APY
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $0 Details Balance: 0. to 99. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $100 Details Balance: 100. to 499. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $500 Details Balance: 500. to 2,499. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $2,500 Details Balance: 2,500. to 9,999. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Membership Savings (5000)	1.15%	1.16%
Min Balance $10,000 Details Balance: 10,000. + Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	0.20%	0.20%
Details Balance: All Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking (5200, 6200)	0.20%	0.20%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
JUMBO Real Estate Loan	5.575%	0.000	5.597%	15 Years
Details Jumbo loans are loans exceeding $832,750. 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 $900,000, 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 $900,000 loan amount. Rates also available for Non-Owner Occupied. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
JUMBO Real Estate Loan	6.075%	1.000	6.183%
Details Jumbo loans are loans exceeding $832,750. 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 $900,000, 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 $900,000 loan amount. Rates also available for Non-Owner Occupied. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.18% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
JUMBO Real Estate Loan	6.325%	0.000	6.339%	30 Years
Details Jumbo loans are loans exceeding $832,750. 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 $900,000, 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 $900,000 loan amount. Rates also available for Non-Owner Occupied. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (Open-Ended Loan)	7.00%	-	7.00%	15 Year Variable
Details Rates are for owner-occupied properties. Non-owner-occupied rates & terms available; No points or fees on lines up to $200,000 (appraisal fees may apply). Lines over $200,000 subject to third-party fees.; Lifetime cap is 6% over original rate.; Maximum loan of $300,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 2, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Equity Loan (Closed-Ended Loan)	7.50%	-	7.50%	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 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00% Oct 2, 20267.50%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Equity Loan (Closed-Ended Loan)	8.00%	-	8.00%	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 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50% Oct 2, 20268.00%▲ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Autos	-	-	5.24%
Details As Low As; Auto & Truck Loans: 2022 models or newer (other rates available for older models), up to 135% of MSRP or High Book, plus GAP, up to 84-month financing. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

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; Boat & RV Loans: Up to 100% financing of the approved value, including tax and license., Up to 120-month financing. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Card	-	9.70%
Details Rate: As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Signature Business VARIABLE	9.70%	9.70%
Details Credit Score: 730 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Signature Business VARIABLE	9.95%	9.95%
Details Credit Score: 700-729 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.70% → 9.95% ▲ 0.25 pts · high 9.95% / low 9.70% Sep 18, 20269.95%▲ from 9.70% Sep 14, 20269.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa VARIABLE	10.70%	10.70%
Details Credit Score: 730 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Classic Card	-	10.70%
Details Rate: As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa VARIABLE	10.95%	10.95%
Details Credit Score: 700-729 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.70% → 10.95% ▲ 0.25 pts · high 10.95% / low 10.70% Sep 18, 202610.95%▲ from 10.70% Sep 14, 202610.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa VARIABLE	11.95%	11.95%
Details Credit Score: 675-699 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.70% → 11.95% ▲ 1.25 pts · high 11.95% / low 10.70% Sep 18, 202611.95%▲ from 10.70% Sep 14, 202610.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Platinum Card	-	14.70%
Details Rate: As low as Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 14.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Signature Business FIXED	14.95%	14.95%
Details Credit Score: 700-729 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.70% → 14.95% ▲ 0.25 pts · high 14.95% / low 14.70% Sep 18, 202614.95%▲ from 14.70% Sep 14, 202614.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Classic Card	-	15.70%
Details Rate: As low as Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 15.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa FIXED	15.95%	15.95%
Details Credit Score: 700-729 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.70% → 15.95% ▲ 0.25 pts · high 15.95% / low 15.70% Sep 18, 202615.95%▲ from 15.70% Sep 14, 202615.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa VARIABLE	15.95%	15.95%
Details Credit Score: 650-674 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.70% → 15.95% ▲ 5.25 pts · high 15.95% / low 10.70% Sep 18, 202615.95%▲ from 10.70% Sep 14, 202610.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa FIXED	16.95%	16.95%
Details Credit Score: 675-699 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.70% → 16.95% ▲ 1.25 pts · high 16.95% / low 15.70% Sep 18, 202616.95%▲ from 15.70% Sep 14, 202615.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa VARIABLE	18.95%	18.95%
Details Credit Score: 610-649 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.70% → 18.95% ▲ 8.25 pts · high 18.95% / low 10.70% Sep 18, 202618.95%▲ from 10.70% Sep 14, 202610.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa FIXED	20.95%	20.95%
Details Credit Score: 650-674 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.70% → 20.95% ▲ 5.25 pts · high 20.95% / low 15.70% Sep 18, 202620.95%▲ from 15.70% Sep 14, 202615.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Visa FIXED	23.95%	23.95%
Details Credit Score: 610-649 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.70% → 23.95% ▲ 8.25 pts · high 23.95% / low 15.70% Sep 18, 202623.95%▲ from 15.70% Sep 14, 202615.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Personal Loan Rates

Product	APR	Term
Visa Signature Business VARIABLE	9.70%
Details Credit Score: 730 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Signature Business VARIABLE	9.95%
Details Credit Score: 700-729 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.70% → 9.95% ▲ 0.25 pts · high 9.95% / low 9.70% Sep 18, 20269.95%▲ from 9.70% Sep 14, 20269.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Personal Loan and Personal Line of Credit	11.75%	Variable
Details Open line of credit. Maximum loan of $50,000. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 11.75% ▼ 0.25 pts · high 12.00% / low 11.75% Oct 9, 202611.75%▼ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Personal Loans and Lines of Credit	11.75%
Details Open line of credit. Maximum loan of $50,000 . Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 11.75% ▼ 0.25 pts · high 12.00% / low 11.75% Oct 9, 202611.75%▼ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Visa Signature Business FIXED	14.95%
Details Credit Score: 700-729 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.70% → 14.95% ▲ 0.25 pts · high 14.95% / low 14.70% Sep 18, 202614.95%▲ from 14.70% Sep 14, 202614.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Coast Central Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Real Estate Loans	6.125%	0.000	6.249%	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 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 5.62% → 6.25% ▲ 0.63 pts · high 6.25% / low 5.62% Oct 9, 20266.25%▲ from 6.00% Oct 2, 20266.00%▲ from 5.75% Sep 29, 20265.75%▲ from 5.62% Sep 18, 20265.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Fixed Real Estate Loans	5.375%	0.000	5.577%	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 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 4.95% → 5.58% ▲ 0.63 pts · high 5.58% / low 4.95% Oct 9, 20265.58%▲ from 5.33% Oct 2, 20265.33%▲ from 5.07% Sep 29, 20265.07%▲ from 4.95% Sep 18, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Fixed Real Estate Loans	5.875%	1.000	6.092%
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 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.46% → 6.09% ▲ 0.63 pts · high 6.09% / low 5.46% Oct 9, 20266.09%▲ from 5.84% Oct 2, 20265.84%▲ from 5.59% Sep 29, 20265.59%▲ from 5.46% Sep 14, 20265.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Purchases/Refinances Unimproved Property	8.25%	1 point	8.571%	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 10/09/2026 Rate History No change since Oct 9, 2026 · 8.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Liquid Assets (7000)	0.75%	-	0.75%
Min Balance $0 Details Balance: 0. to 9,999. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Liquid Assets (7000)	1.00%	-	1.01%
Min Balance $10,000 Details Balance: 10,000. to 24,999. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Liquid Assets (7000)	1.15%	-	1.16%
Min Balance $25,000 Details Balance: 25,000. to 49,999. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.16% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Liquid Assets (7000)	1.30%	-	1.31%
Min Balance $50,000 Details Balance: 50,000. to 74,999. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.31% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Business Liquid Assets (7000)	1.40%	-	1.41%
Min Balance $75,000 Details Balance: 75,000. + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Coverdell Education Savings Account (ESA) Certificate 12 to 23 months	3.75%	-	3.82%	12 to 23 months
Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Coverdell Education Savings Account (ESA) Certificate 24 to 35 months	3.85%	-	3.92%	24 to 35 months
Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Coverdell Education Savings Account (ESA) Certificate 36 to 47 months	3.95%	-	4.02%	36 to 47 months
Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Coverdell Education Savings Account (ESA) Certificate 48 to 59 months	4.10%	-	4.18%	48 to 59 months
Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.18% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Coverdell Education Savings Account (ESA) Certificate 60 months	4.25%	-	4.33%	60 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Liquid Assets (0700)	0.75%	-	0.75%
Min Balance $0 Details Balance: 0. to 9,999. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Liquid Assets (0700)	1.00%	-	1.01%
Min Balance $10,000 Details Balance: 10,000. to 24,999. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Liquid Assets (0700)	1.15%	-	1.16%
Min Balance $25,000 Details Balance: 25,000. to 49,999. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Liquid Assets (0700)	1.30%	-	1.31%
Min Balance $50,000 Details Balance: 50,000. to 74,999. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.31% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Liquid Assets (0700)	1.40%	-	1.41%
Min Balance $75,000 Details Balance: 75,000. + Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

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 1.03% in Q3 2023 to 2.92% 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	$2.3B	2.92%	5.0	A+
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+

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 256

Part-Time Employees 24

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

2.92%

Return on Assets (ROA)

0.3358%

Return on Equity (ROE)

2.8011%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

2,308,313,259

Total Amount of Shares and Deposits

2,043,571,950

Total Shares and Deposits < 1 Year

1,764,891,089

Total Shares and Deposits 1 3 Years

252,329,087

Total Shares and Deposits > 3 Years

26,351,774

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

349,617,541

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

349,617,541

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

1,693,954,409

Total Interest Expense (Sum of items 6 8)

19,410,607

Share Certificates

14,054

Number of Accounts for Share Drafts

56,180

IRA KEOGH Accounts

4,661

Number of Accounts for Regular Shares

80,760

All other shares

2,995

Money Market Shares

26,757

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)

313,529,361

Total Liabilities

2,080,799,721

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Coast Central Credit Union earned the Verified Healthy badge

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Customer Reviews

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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 October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Coast Central Credit Union Texas Ratio

Coast Central Credit Union Health Trend

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Coast Central Credit Union Savings Rates

Coast Central Credit Union Business Savings Rates

Coast Central Credit Union Checking Rates

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Coast Central Credit Union Home Equity & HELOC

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Coast Central Credit Union RV, Boat and Powersport Loan Rates

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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