We're Here for You

If you're affected by the federal government shutdown, Cal Coast Credit Union is here to support you. We understand this is a stressful time, and we’re committed to helping however we can. If your paycheck or finances are impacted, please reach out. We offer relief options and are ready to listen, answer questions, and work with you on solutions.

Personal Loan Rates

Whether you want to take a vacation, consolidate bills, increase your home's energy efficiency or just need some extra cash, we make financing your dreams easy!

Signature Loan

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Loan Amount	APR (As Low As)¹	Term
$500-$30,000	10.88%	Up to 36 Months
$500-$30,000	11.88%	Up to 48 Months
$500-$30,000	12.88%	Up to 60 Months

Signature Line of Credit

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Loan Amount	APR (As Low As)¹	Term
$500-25,000	14.50%	Revolving

Secured Signature Personal Loans

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Loan	Loan Amount	Fixed APR¹	Term
Savings and Money Market Secured Loan	100% of available Savings or Money Market balance	3.00%	Up to 84 months
Certificate Secured Loans	With monthly payments: up to 100% of certificate balance	Certificate Rate +3%	Up to full certificate term

GoGreen Home Energy Loans

For more information visit calcoastcu.org/gogreen, call (858) 495-1637, or email energy@calcoastcu.org.

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Loan Amount	APR (As Low As)¹	Term
$5,000 - $50,000 ($75,000 for solar + battery bundle)	3.58%	30 months
$5,000 - $50,000 ($75,000 for solar + battery bundle)	4.98%	5 years
$5,000 - $50,000 ($75,000 for solar + battery bundle)	5.98%	10 years
$5,000 - $50,000 ($75,000 for solar + battery bundle)	6.98%	15 years
$25,000 - $75,000 (for solar + battery bundle only)	7.98%	20 years

Overdraft Line of Credit

Overdraft protection on Cal Coast checking accounts
No fees
Rates as low as 8.88% APR
Credit line of $1,000 with access as you need it
Subject to credit review

APR = Annual Percentage Rate as of 04/29/2026 and may vary based on credit history. All loans subject to approval. Rates subject to change without notice.
Signature/Personal Loan Payment Examples: A 36 month loan at 10.88% will have 36 monthly payments of $32.69 per $1,000 borrowed. A 48 month loan at 11.88% will have 48 monthly payments of $26.28 per $1,000 borrowed. A 60 month loan at 12.88% will have 60 monthly payments of $22.70 per $1,000 borrowed. Monthly payments for the Signature Line product are 3% of the outstanding balance at the time of the last advance or $25 whichever is greater. A $1,000 Signature Line balance will have a $30 minimum monthly payment.
Signature Line of Credit/Overdraft Line of Credit: No interest will be charged until the funds are used. Estimated minimum monthly payment is 3% of the outstanding balance or $25, whichever is greater. For example, a balance of $1,000 will have a $30 minimum monthly payment.
GoGreen Home Energy Financing Examples: A 30 month loan at 3.58% will have 30 monthly payments of $34.90 per $1,000 borrowed. A 60 month (5 year) loan at 4.98% will have 60 monthly payments of $18.87 per $1,000 borrowed. A 120 month loan (10 years) at 5.98% will have 120 monthly payments of $11.10 per $1,000 borrowed. A 180 month (15 year) loan at 6.98% will have 180 monthly payments of $8.98 per $1,000 borrowed. A 240 month (20 year) loan at 7.98% will have 240 monthly payments of $8.36 per $1,000 borrowed.

Contact Us

Have questions? Want more information? We’re more than happy to get in touch.

Call: (877) 495-1600

We look forward to hearing from you!

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