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

Current rates for California Coast Credit Union include: 18-Month CD: 0.40%, 24-Month CD: 0.50%, 60-Month CD: 1.00%, Savings: 0.05%, MMA: 0.05%

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California Coast Credit Union

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California Coast Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

California Coast Credit Union's 60 Month IRA CD rates are at 2.65%, 48 Month IRA CD rates are at 2.50%, 60 Month IRA CD rates are at 1.00%, 36 Month IRA CD rates are at 0.80%, 36 Month IRA CD rates are at 0.75%. 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 5/1 Jumbo ARM rates are at 5.50%, Conforming Adjustable-Rate Mortgages - 5/1 ARM rates are at 5.50%, Today's Rates: Adjustable-Rate Mortgages - 5/1 ARM rates are at 5.50%, 10-year Fixed - TermBuster rates are at 6.62%, 7/1 Jumbo ARM rates are at 6.00%. California Coast Credit Union's Personal Loan Rates are as low as 12.88%. 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 1.16%. Rates last updated and verified on 09/22/2026.

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.

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

1.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

California Coast Credit Union
Spectrum Center

9201 Spectrum Center Blvd
San Diego, CA 92123-1407

https://www.calcoastcu.org

California Coast Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Certificate	2.62%	2.65%	60 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
60 Month IRA Certificate	2.62%	2.65%	60 Month
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
60 Month IRA Certificate	2.62%	2.65%	60 Month
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
48 Month IRA Certificate	2.47%	2.50%	48 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
48 Month IRA Certificate	2.47%	2.50%	48 Month
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
48 Month IRA Certificate	2.47%	2.50%	48 Month
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
60 Month IRA Certificate	1.00%	1.00%	60 Month
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
36 Month IRA Certificate	0.80%	0.80%	36 Month
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
36 Month IRA Certificate	0.80%	0.80%	36 Month
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
36 Month IRA Certificate	0.75%	0.75%	36 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
48 Month IRA Certificate	0.75%	0.75%	48 Month
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
24 Month IRA Certificate	0.65%	0.65%	24 Month
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
24 Month IRA Certificate	0.65%	0.65%	24 Month
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
36 Month IRA Certificate	0.65%	0.65%	36 Month
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
24 Month IRA Certificate	0.60%	0.60%	24 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
18 Month Bump Rate IRA Certificate	0.55%	0.55%	18 months
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
18 Month Bump Rate IRA Certificate	0.55%	0.55%	18 months
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
18 Month Bump Rate IRA Certificate	0.50%	0.50%	18 months
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
24 Month IRA Certificate	0.50%	0.50%	24 Month
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
18 Month Bump Rate IRA Certificate	0.40%	0.40%	18 months
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month IRA Certificate	0.35%	0.35%	6 Month
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month IRA Certificate	0.35%	0.35%	6 Month
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month IRA Certificate	0.30%	0.30%	6 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Month IRA Certificate	0.25%	0.25%	3 Month
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
90,000 or more 3 Month IRA Certificate	0.25%	0.25%	90,000 or more
Min Balance $90,000 Details Balance: $90,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Month IRA Certificate	0.20%	0.20%	3 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
6 Month IRA Certificate	0.20%	0.20%	6 Month
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3 Month IRA Certificate	0.10%	0.10%	3 Month
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Savings Rates

Product	Rate	APY
IRA Savings	0.05%	0.05%
Min Balance $50 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $90,000 Details Balance: $90,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Primary Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Smart Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: Under $1,000; Paid Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Special Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Money Market Rates

Product	Rate	APY
Money Market Index	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Index	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $90,000 Details Balance: $90,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Money Market Savings	0.05%	0.05%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Checking Rates

Product	Rate	APY
Dividend Checking	0.05%	0.05%
Min Balance $50 Details Balance: $50 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Ultra Performance Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Ultra Performance Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Ultra Performance Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Ultra Performance Checking	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $89,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Ultra Performance Checking	0.05%	0.05%
Min Balance $90,000 Details Balance: $90,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Ultra Performance Checking	0.05%	0.05%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/1 Jumbo ARM	5.50%	0.000%	6.60%	5/1 Jumbo ARM
Details 8 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Conforming Adjustable-Rate Mortgages - 5/1 ARM	5.50%	0.000%	6.62%	5/1 ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Today's Rates: Adjustable-Rate Mortgages - 5/1 ARM	5.50%	0.000%	6.62%	5/1 ARM
Details 5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
10-year Fixed - TermBuster	6.62%	0.000%	6.63%	10-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
7/1 Jumbo ARM	6.00%	0.000%	6.65%	7/1 Jumbo ARM
Details 9 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Conforming Adjustable-Rate Mortgages - 7/1 ARM	6.00%	0.000%	6.67%	7/1 ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Today's Rates: Adjustable-Rate Mortgages - 7/1 ARM	6.00%	0.000%	6.67%	7/1 ARM
Details 6 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5/5 Jumbo ARM	5.63%	0.000%	6.72%	5/5 Jumbo ARM
Details 7 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Conforming Adjustable-Rate Mortgages - 5/5 ARM	5.63%	0.000%	6.74%	5/5 ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Today's Rates: Adjustable-Rate Mortgages - 5/5 ARM	5.63%	0.000%	6.74%	5/5 ARM
Details 4 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
15-year Jumbo Fixed	6.63%	0.250%	6.76%	15-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
15-year Fixed	6.63%	0.250%	6.79%	15-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
20-year Jumbo Fixed	7.13%	0.125%	7.22%	20-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
20-year Fixed	7.13%	0.125%	7.24%	20-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30-year Jumbo Fixed	7.25%	0.000%	7.31%	30-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30-Year Jumbo Loan	7.25%	0.000%	7.31%	30-Year Jumbo9
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30-year Fixed	7.25%	0.000%	7.33%	30-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Equity Advantage Line of Credit	7.00%	0.000%	7.00%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Home Equity Loan	7.00%	0.000%	7.00%	10-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Home Equity Loan	7.50%	0.000%	7.50%	15-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Home Equity Loan	7.88%	0.000%	7.88%	20-year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.68%
Details AS LOW AS Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	12.88%	Up to 36 Months
Details Loan Amount: $500-$30,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Signature Loan	13.88%	Up to 48 Months
Details Loan Amount: $500-$30,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Signature Loan	14.50%	Revolving
Details Loan Amount: $500-25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Signature Loan	14.88%	Up to 60 Months
Details Loan Amount: $500-$30,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

California Coast Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-Year Termbuster Loan	6.62%	0.000%	6.63%	10-Year Termbuster6
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
15-Year Conforming Loan	6.63%	0.250%	6.79%	15-Year Conforming7
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
3% Down Loan	7.50%	0.375%	8.02%	3% Down3
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
30-Year Conforming Loan	7.25%	0.000%	7.33%	30-Year Conforming8
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5-year Fixed - TermBuster	6.37%	0.000%	6.38%	5-year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
5-Year TermBuster Loan	6.37%	0.000%	6.38%	5-Year TermBuster4
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
7-year Fixed - Termbuster	6.50%	0.000%	6.50%	7-year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
7-Year TermBuster Loan	6.50%	0.000%	6.50%	7-Year TermBuster5
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
GoGreen Home Energy Loans: Bundled Solar + Battery Storage	-	-	3.58%	30 months
Details Loan Amount: $5,000 - $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
GoGreen Home Energy Loans: Bundled Solar + Battery Storage	-	-	4.98%	5 years
Details Loan Amount: $5,000 - $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
GoGreen Home Energy Loans: Bundled Solar + Battery Storage	-	-	5.98%	10 years
Details Loan Amount: $5,000 - $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
GoGreen Home Energy Loans: Bundled Solar + Battery Storage	-	-	6.98%	15 years
Details Loan Amount: $5,000 - $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
GoGreen Home Energy Loans: Bundled Solar + Battery Storage	-	-	7.98%	20 years
Details Loan Amount: $25,000 - $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%
Home Loans	-	-	6.37%
Details AS LOW AS Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.16%

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

California Coast Credit Union’s Texas Ratio rose from 0.49% in Q2 2023 to 1.16% 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	$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+
June 30, 2023	$3.4B	0.49%	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.

Credit Union Profile & Overview

Credit Union Name California Coast Credit Union

Website https://www.calcoastcu.org

Address 9201 Spectrum Center Blvd, San Diego, CA 92123-1407

Phone 877-495-1600

Fax 858-495-1672

President Steve McMahon

CEO Todd Lane

Full-Time Employees 517

Part-Time Employees 26

Branch Locations 26

ATM Locations 25

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

1.16%

Return on Assets (ROA)

0.0829%

Return on Equity (ROE)

0.6166%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

3,469,511,167

Total Amount of Shares and Deposits

3,058,433,552

Total Shares and Deposits < 1 Year

3,010,458,825

Total Shares and Deposits 1 3 Years

35,450,095

Total Shares and Deposits > 3 Years

12,524,632

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

69,787,217

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

69,787,217

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

2,988,646,335

Total Interest Expense (Sum of items 6 8)

7,116,918

Share Certificates

28,058

Number of Accounts for Share Drafts

164,720

IRA KEOGH Accounts

5,465

Number of Accounts for Regular Shares

256,753

Money Market Shares

13,948

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)

409,955,399

Total Liabilities

3,089,950,554

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

California Coast Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About California Coast Credit Union

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.

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.

Compare to Other Credit Unions

California Coast Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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California Coast Credit Union Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

California Coast Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About California Coast Credit Union

How many branches does California Coast Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does California Coast Credit Union offer online and mobile banking?

Current California Coast Credit Union Rates

Compare to Other Credit Unions