Certificates

APY = Annual Percentage Yield. Rates are accurate as of 11/21/2024. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Fees could reduce earnings. Rates and terms are subject to change without notice. Visit calcoastcu.org or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.

Check with your wireless provider to determine if data and text messages rates apply.

The minimum deposit required to open the 8 Month Liquid Certificate is $1,000. The minimum balance to earn the 3.50% APY is $1,000. Offer excludes individual retirement accounts. New money only. Additional deposits of $1,000 or more each may be made at any time into your 8 Month Liquid Certificate account. After the first seven days, you may make one penalty-free withdrawal of $1,000 or more during the term as long as that withdrawal either leaves a balance of $1,000 or more, or closes the certificate. At maturity, your 8 Month Liquid Certificate account will automatically renew into an 8 Month Certificate account at the prevailing rate in effect at that time, and credited dividends become part of the principal.

The minimum deposit required to open the 18-Month Bump Certificate is $1,000. The minimum balance to earn dividends is $1,000. One time bump rate option available at the request of the certificate owner. The new rate from the date of the increase will remain in effect until the certificate maturity date. Additional deposits are allowed at any time during the term. Other rates and terms available.

APY= Annual Percentage Yield. Early withdrawal penalty applies. Fees could reduce earnings. Rates are accurate as of 04/08/24. NEW MONEY ONLY. Offer excludes individual retirement accounts. New Money only. A primary member is allowed to open one (1) Celebration Certificate Account under the same member name and related tax identification number. The minimum deposit required to open the Celebration Certificate is $500. Certificate opening deposit balance cannot exceed $3,000. The following conditions also apply:  (a) Consumer Account Members: An active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) checking account with eStatements OR open (funded) consumer loan (excluding share secured loans and Mastercard credit card account) OR a minimum balance of $5,000 in a money market account, regular certificate account, or IRA certificate account. (b) Business Account Members: An active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) Business Checking account with eStatements OR a minimum balance of $5,000 in a Business Money Market account (fees charged, if applicable) OR a Business Line of Credit (LOC). You will have a 30-day grace period to meet the requirements. The stated alternative deposit account must remain open for the certificate term period. If the conditions are not met, the 9.50% stated APY may be reduced to the APY in effect for a 3-Month Certificate Account for the remainder of the term.

Other restrictions may apply. Other rates and terms available. Serving anyone who lives or works in San Diego or Riverside counties. Must meet membership and account opening criteria. New members – a one-time $5 membership fee and savings account required.

Cannot be combined with any other offer. Limited time offer, subject to change without notice. Visit a California Coast Credit Union branch or call (877) 495-1600 for details on rates, fees, and minimum balance requirements. Insured by NCUA. 

The minimum balance required to open and obtain the APY is $50. A minimum $50 automatic deposit each month is required from another California Coast share account. Additional deposits are allowed at any time. If the balance falls below $50, or the automatic deposits are terminated, the certificate will be closed and the funds will be transferred to your savings account.