Health & Safety Update

The health, safety, and well-being of our members, staff and the public is our number one priority. We’re committed to keeping our members updated on how to protect themselves during COVID-19 as well as Cal Coast operations.

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Health & Safety Update

Cal Coast COVID-19 Resource Page

The following information is updated as of:  

At Cal Coast we’re here to help during the COVID-19 outbreak and our hearts go out to those affected. In this time of uncertainty, we hope it’s comforting to know your Cal Coast accounts and funds are easily accessible.

Financial Relief | Fee Waivers | Account Access | Safety and Security | Member Service | Fraud & Safety | Covid 19

Financial Relief

Loan Payments Automatically Deferred for 60 Days
All members in good standing can choose to have their consumer loan (auto, personal loan and credit card) payments at California Coast Credit Union deferred for the next 60 days with no fees.1 No need to contact us to defer your payment! If you do not need financial relief, continue to make your loan payments as usual.

Mortgage Loans, Home Equity Loans, or Home Equity Lines of Credit (HELOC) Deferment Relief
All members in good standing can choose to have their mortgage loan, home equity loan or home equity line of credit (HELOC) payments at California Coast Credit Union deferred for the next 90 days with no fees.2 No need to contact us to defer your payment! If you do not want to defer your payment, continue to make your loan payments as usual.

If your mortgage loan is serviced by Midwest Loan Services (MLS), please contact MLS at lossmit@midwestloanservices.com or by calling (800) 262-6574 ext 1614 to receive this same offer.

Please be advised, if your payments are made automatically via bill pay, auto transfer, or originates from another institution, you will need to manually stop these payments by canceling your automatic bill pay, contacting us to stop your automatic transfer or contacting your other institution where the payment originates.

Financial Relief Loans
For members that are in need of additional financial relief, we are offering the following Emergency Loan options:

No payments for 6 months Emergency Loan 12-Month Emergency Loan Emergency Line of Credit
  • No fees
  • Interest free, 0% APR
  • Amounts up to $1,000 available to be repaid no later than 6 months from origination
  • Subject to credit review
  • No fees
  • Rates as low as 1.98% APR
  • No payment for 90 days3
  • Loan amounts up to $5,000
  • Principal and Interest payments over 12 months
  • Subject to credit review
  • Rates as low as 2.98% APR
  • Credit line of $5,000 with access as you need it4
  • Overdraft protection available
  • Low minimum monthly payments
  • Subject to credit review

 

Apply

If you have been financially impacted and want to discuss alternative options, or have any additional questions, call our Member Service Center at (877) 495-1600

Fee Waivers

To assist with easy access to your funds, we are waiving our fees for the following services and transactions until further notice:

  • ATM transactions outside our CO-OP Network5
  • Outgoing wire transfers, both foreign and domestic
  • Temporary checks
  • Cashier’s checks
  • Stop payment fees for ACH transactions (Effective March 24, 2020)

If you have questions, or need financial assistance due to these unforeseen circumstances, please call our Member Service Center at (877) 495-1600.

Account Access

In this time of uncertainty, we hope it’s comforting to know your Cal Coast accounts and funds are easily accessible:

  • Branches: our branches remain open. Saturday branch hours will be temporarily adjusted to 9 am - 1 pm. We will continue to limit the number of members allowed inside branches for social distancing purposes.
  • ATMs: you can continue to use our 30,000 nationwide surcharge free ATMs to access your funds and we are waiving fees for ATM transactions outside our CO-OP Network.5
  • Online Account Access: To ensure the safety for both members and employees, please take advantage of our online, mobile,6 and telephone banking services to check balances, make payments, transfer funds, make deposits, and more.
    • Visit Cal Coast Online Banking at calcoastcu.org
    • Download our free Cal Coast Mobile app and log in with the same username and password you use in online banking.
    • Access Telephone Banking services at (858) 495-1655

Cal Coast Mobile

One of the easiest ways to bank without going to a branch is through the Cal Coast Mobile App7. With Cal Coast Mobile, you can:

  • View transactions, check balances, or use the Quick Balance feature on your Sign On screen
  • Pay bills and view scheduled payments
  • Transfer money to accounts, loans, and to other members
  • Deposit checks with Mobile Deposit
  • Activate, freeze, or block your credit or debit cards with the Card Controls feature
  • Send Money, powered by PayPalTM.

To begin using Cal Coast Mobile:

  1. Log in7 or sign up for Cal Coast Online
  2. Download our free Cal Coast Mobile Apple or AndroidTM7 app and log in with the same username and password you use in online banking8.
  3. Check your email for a one-time, 4-digit passcode (PIN) and enter it where prompted (note: passcode will expire in 48 hours).

Watch the video below to discover the Cal Coast Mobile app's7 useful features. Want to try a demo? Click the "Demo the App" button below, then follow the orange hotspots to go through the app.

California Coast Credit Union Mobile Banking App Video
 
 
California Coast Credit Union Mobile Banking App Demo

Safety and Security

Our members’ safety and security are our top priority during this crisis:

  • Safety Guidelines: We are monitoring the latest information provided by the CDC, as well as local health officials, and will update our procedures as needed based on their recommendations and guidelines. All of our branches also have security guards posted outside for your safety and security.
  • Branch Sanitization: We have increased cleanings at our branches and back office and are providing additional supplies (anti-bacterial gel, sanitizing wipes, tissues, etc.) to ensure our employees and members work and do their banking in a healthy environment.
  • COVID-19 Financial Scams: We have been made aware of financial scams preying on fears surrounding the spread of COVID-19. These scams involve fraudsters sending phishing emails and using malicious tactics to gain access to online banking credentials, credit card numbers, or Personal Identification Information (PII). Be suspicious about any offer via email or telephone that appears too good to be true, and determine if the person or business making the offer is legitimate. Never provide personal identifying information to an unsolicited email or phone call.

Protecting your private information

In times of crisis it’s important for members to remain vigilant about the privacy and security of their account information. We have become aware of new scams that prey on fears surrounding the COVID-19 outbreak. To make sure you are able to take proper precautions, we want to share a few tips for protecting your private information:

  1. Never, under any circumstance, provide Personal Identifying Information (PII) in an unsolicited phone call or click links in an unsolicited email. Make sure you have initiated the contact or know and trust the person or company to whom it is given.
  2. California Coast Credit Union never requests a member’s credit card number, account number, Social Security Number, PIN, or password through email. If you receive an email requesting information that appears to be from California Coast Credit Union, do not respond to the email and contact California Coast Credit Union immediately at (877) 495-1600.
  3. Always protect personal identifying information, such as your date of birth, Social Security Number, credit card numbers, account numbers, Personal Identification Numbers (PINs) and passwords.
  4. Make sure your PINs and passwords are memorized, confidential, and not easy for an identity thief to figure out.
  5. As always, be aware, vigilant, and suspicious about any unsolicited information related to cures, vaccinations, product shortages, and updates about the COVID-19 virus.
  6. Be suspicious about offers for work from home schemes, job opportunities, or any emails or texts that are about checks from the government. Scammers are continuously trying to leverage ongoing news and events surrounding this crisis to trick you into providing your private information.

Member Service

Dear Valued Member,

At Cal Coast, the health, safety & well-being of our members, employees and the community is our top priority. We want to assure you that we have a robust business continuity program to ensure continued service to our members.

There has been a lot of news lately about the Coronavirus (COVID-19) and the impact it is having around the world, nationally and even locally. Our hearts go out to those who have been affected.

Please know that California Coast Credit Union continues to take every precaution to ensure our branch locations are as clean and safe as possible. We have increased cleanings at our branches and have provided additional supplies (anti-bacterial gel, sanitizing wipes, tissues, etc.) to ensure our employees and members work and do their banking in a healthy environment. We are monitoring the latest information provided by the CDC, as well as local health officials, and will update our procedures as needed based on their recommendations and guidelines.

All of our branches are currently operating on their regular schedule. If you aren’t feeling well, and are experiencing flu like symptoms, we ask that you please avoid visiting a branch. Cal Coast provides many convenient options for our members to bank with us, including using mobile banking or online banking (calcoastcu.org) or calling us toll-free at (877) 495-1600. You also have access to hundreds of surcharge-free ATMs in San Diego and Riverside Counties and throughout our nationwide network of 30,000 ATMs.

Cal Coast is committed to maintaining normalcy and a sense of calm, as we have been through both good and challenging times for the last ninety years while serving the San Diego area. For your information, we have some tips for helping to protect yourself and your family during this time.

If you have any questions, please give us a call at (877) 495-1600. From all of us at Cal Coast, please take good care of yourself and your family.

Sincerely,

Todd Lane
President & CEO


Fraud & Safety

At California Coast Credit Union the safety and security of your accounts is our top priority. We have recently been made aware of new scams preying on fears surrounding the spread of Coronavirus (COVID-19). We are sharing this information so you can take necessary precautions.

What you need to know

Please be aware and vigilant about false information related to cures, vaccinations, product shortages, and updates about the COVID-19 virus. Do not click links on any unsolicited emails or other electronic communications related to this topic. According to the U.S. Food & Drug Administration (FDA), there are currently no approved products available that can treat the virus.

These scams involve fraudsters sending emails and using malicious tactics to get victims to click links that can compromise their online banking credentials, credit card numbers, or other Personal Identification Information (PII).

Be suspicious about any offer via email or telephone that appears too good to be true. Never provide Personal Identifying Information on an unsolicited phone call or click any links on an unsolicited email. Always determine if the person or business you are interacting with is legitimate. If in doubt, go directly to the company's website or call a reputable number to verify any information.

If you believe you have been a victim of this scam, please contact the credit union immediately. For more information regarding these ongoing scams, please refer to the FDA and the Federal Trade Commission (FTC).


San Diego County Covid-19 Update

San Diego County has created an informative helpful website regarding Coronavirus. Here, you can find daily updates, tips on how to prepare and resources on COVID-19. As additional updates become available, the County will update the website accordingly providing you with an up-to-date resource.

San Diego County Covid-19 Updates

Riverside County has also created an up-to-date website with information regarding COVID-19. Here, you will find information regarding Coronavirus advisories and information for Riverside County.

Riverside County Covid-19 Updates


Information is accurate as of 3/18/20 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. The loan due date will advance 30 days and advance again, 30 days, the following month. Finance charges will continue to accrue during the deferment period. Deferring a payment may extend the original term and increase the finance charges. 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.

2Interest will continue to accrue during the deferment period. Deferring a payment may extend the original term and increase total finance charges. The date of your first monthly payment after the deferred payment(s) will remain the same. Offer only available for home loans, home equity loans, and home equity lines of credit funded prior to 3/23/2020. 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.

4Maximum 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.

5ATM fee waivers do not include those fees charged by banks outside the CO-OP Network.

6Mobile deposits available on Cal Coast Mobile up to $5,000.

7The Cal Coast Mobile app, which includes the mobile bill pay feature, is compatible with iPhone® iOS 7 and above, iPad® 3 and above, iPod® with camera 4.3 and above, and AndroidTM OS 4.0 and above.

8By logging in, you agree to our terms and conditions.

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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