Coronavirus (COVID-19) Information Center

Updates, resources & valuable information to keep our members and community informed 24/7


Coronavirus (COVID-19) Information Center

Financial Relief | Service & Account Access | Fraud & Scam Alerts | Frequently Asked Questions (FAQs) | Additional Resources

Updated as of:  

Together, we are facing a truly unprecedented situation. This pandemic is affecting all of our families, our businesses, our communities and simply our way of life. As a member of Cal Coast, we promise to keep you updated on any important changes, how we’re handling the situation and the financial relief efforts we’ve put in place to help you and your family. We have incredible teams at Cal Coast that are here for you. This situation reminds us that we’re all connected and must come together to support one another. We’re committed to being your partner as we navigate through this challenging time and persevere in the days ahead.


Todd Lane
CEO, California Coast Credit Union

Click here to read the full letter.

Financial Relief Programs

For our Members
  1. Auto loans, personal loans and credit card payments are automatically deferred.1 If you do not want your payments to be deferred, simply continue to make your regular monthly payments. Please note, automatic deferrals of applicable loans ends June 30th. Your regularly scheduled payments resume in July on your usual due date.
  2. Mortgage loans are eligible to be deferred for 90 days.2 See disclaimer below to determine if your loan automatically defers or if you need to contact Midwest Loan Services (MLS).
  3. New emergency loans and line of credit options.3 Learn More.
  4. Fee waivers – we are waiving fees for the following services and transactions until June 15, 2020:
  • ATM transactions outside our CO-OP Network4
  • Outgoing wire transfers, both foreign and domestic
  • Temporary checks
  • Cashier’s checks
  • Stop payment fees for ACH transactions
San Diego Small Business Relief Fund – COVID19

California Coast Credit Union has partnered with the City of San Diego and San Diego Grantmakers to establish the San Diego Small Business Relief Fund – COVID19 to provide grants to local small businesses that have been heavily impacted by this pandemic. Cal Coast donated $100,000 to kick off the fundraising efforts and along with other contributions, the fund is now over $200,000. Click here to learn more about the fund and ways you can help. We encourage you to spread the word as we come together to strengthen our San Diego small business community.

Insurance Premium Financial Relief

For our members with life or AD&D insurance policies – your policy will not be cancelled or non-renewed for failure to pay premiums for a period of 90 days. There is no need to contact us, TruStage or provide any documentation – a missed payment will trigger the moratorium on cancelation and nonrenewal. No late fees or penalties will be charged. This became effective on March 12, 2020. For more information, please visit the TruStage COVID-19 page.

For members with personal auto insurance, you will receive an automatic 15% refund on two months of your auto premium. Fewer cars on the road means fewer accidents and Liberty Mutual has launched a Personal Auto Customer Relief Fund to do their part in helping alleviate some of the financial burden. Please see the Liberty Mutual COVID-19 page for more information on the fund and when to expect the refund.

Member Service & Account Access

Updated 6/3/20: Our branches remain open except for: SDSU Campus and La Mesa, which are temporarily closed. Our branch hours are currently Monday – Friday from 10 am – 4 pm with Saturday business hours (at select locations) from 9 am – 1 pm.

Branch Visitor Information – Member and Employee Safety Requirements

We understand many of you rely on branch visits to meet your financial needs and therefore we’ve put in place additional safety requirements in our branches so that we can continue providing you with the best experience, while keeping everyone safe:

  • In accordance with Public Health Orders, anyone who needs to visit a branch must wear a protective face covering. This is for your own safety and the safety of others.
  • We are limiting the number of members in our branches at one time. Please keep at least 6 feet of distance between you and others while waiting in line.
  • We have increased cleanings at our branches and are providing additional supplies to ensure a healthy environment for both visitors and employees.

Cal Coast Credit Union is an essential business and we will continue to work hard to provide the best service. We are closely following CDC guidelines and have taken extra precautions in all Cal Coast branches and places of work, including extra cleanings and practicing social distancing. Click here to learn more on the steps we’ve taken to keep you and our staff safe. For updates on branch closures, modified hours or to locate the closest ATM, visit our Find a Branch/ATM page and click on your branch location. When possible, we encourage you to use our self-service options via online and mobile banking. This will help limit foot traffic in the branches, preventing unnecessary exposure. During this unpredictable time, we are making enhancements to our mobile deposit, ATM withdrawal and electronic account transfers limits5 to help you have quick and easy access to your money. Click here to learn more. For more information on how to get in touch regarding your account, please visit our Member Service page or contact our Member Service Center: (877) 495-1600.

Fraud & Scam Alerts

Criminals are attempting to exploit the COVID-19 pandemic through various scams and fraud attempts. Please be on high alert to protect yourself and your family. Some of the scams reported include:

Employment Offer Scams
Scammers are taking advantage of those who are seeking income or new employment. Be cautious of companies requesting money, either up front or after accepting the offer. Sometimes they will say it’s for background checks, position guarantee, supplies, or even part of the job requirement. Do not send cash, checks or buy gift cards for potential employers. Do your research on the company, visit their website and contact them directly via phone to verify legitimacy. Learn More

Unemployment Claim Scams
Fraudsters often steal people’s personal information in order to make false unemployment claims in their names. The fraud is often discovered when the individual receives a notice from the Employment Security Department (ESD) about a claim they did not submit. If you believe you may have been the victim of this scam, here’s what to do next:

  1. Contact your Employer(s)
  2. Contact the California Employment Development Department (EDD) to submit an Unemployment Insurance fraud report. If you live in a different state, contact the unemployment department for your state of residence.
  3. Contact your local police department to determine if you should file a fraud report.
  4. Contact the three major credit bureaus, Experian, Transunion and Equifax, since the breach involves social security numbers, birth dates and other personal information.

Money Mule Scams
Scammers often use unsuspecting victims to receive and move stolen funds for them. If you help a scammer move fraudulent money, whether or not you know it’s a scam, you could be prosecuted for being what law enforcement calls a “money mule.” These scams are often perpetrated through online offers of employment, dating scams, or prizes. Scammers will send money to you, then ask you to send a portion of it to someone else. Learn more

Coronavirus Stimulus Check Scams
According to the Better Business Bureau, government imposters are making fraudulent calls to people regarding the COVID-19 relief. These callers may suggest that you qualify for a special COVID-19 grant, but must first provide personal information or banking details. The scheme may come through text messages, social media posts/messages or phone calls. Be wary of unsolicited messages and remember that government agencies do not communicate via social media avenues. Stimulus checks are free money from the government. You don’t need to spend money to receive your check. Learn More

Costco Stimulus Check Text Scams
If you receive a text message offering freebies for Costco Wholesale members that’s part of a “COVID-19 stimulus package” be aware that this is a scam. Do not click on any links in the message as they may include malware or ransomware. Learn More

Loan Modification & Foreclosure Scams
According to the California Department of Business Oversight, scammers are telling homeowners that by transferring the deed to their home to a third party, they will no longer be responsible for their mortgage payments. This is NOT true. Transferring a tittle will not relieve a borrower of their mortgage payments. Learn more

For more information on new or increased scams relating to the COVID-19 pandemic, visit the Federal Trade Commission (FTC) site.

If you believe you’re a victim of a scam or attempted fraud relating to COVID-19, you can report it by contacting the FBI’s Internet Crime Compliant Center.


Still have questions? Visit our Frequently Asked Questions page for more information.

Additional Resources

COVID-19 County Updates:

Federal Stimulus Payment Help:

Information is accurate as of 04/09/20 and is subject to change. Restrictions may apply. Serving those who live or work in San Diego or Riverside counties. Savings account required.

1All accounts must be in good standing and loan payments must be current as of 03/19/2020. Deferring a payment may extend the original term and increase the finance charges. Interest will continue to accrue during the deferment period. The regular monthly payment amount will remain the same; the first payment after the deferred payment(s) will include the deferred month’s interest. Offer only available for autos, secured loans, credit cards, and unsecured loans.

2Offer available for home loans, home equity loans, and home equity lines of credit effective 3/23/2020 with regularly scheduled payments to resume in July on your usual due date. Deferring a payment may extend the original term and increase total finance charges. Interest will continue to accrue during the deferment period. The date of your first monthly payment after the deferred payment(s) will remain the same. If your mortgage loan is serviced by Midwest Loan Services (MLS), please contact MLS at or by calling: (800) 262-6574 regarding loan deferrals. If you send your payment to MLS, your loan is serviced by MLS. If you send your payment to Cal Coast, your loan is serviced by Cal Coast and there is no need to contact us – deferral is automatic. Restrictions may apply.

3Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments began earlier. Maximum credit limit $5,000. 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. Click here to view special loan and line of credit options.

4ATM fee waivers do not include those fees charged by banks outside the CO-OP Network.

5Regulation D (Reg D) was amended to allow financial institutions to suspend the six-transaction transfer limit requirement each month. For the time being, you can now make unlimited transfers and withdrawals.

We always have your best interest in mind. It shows in everything we do.

Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.

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