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

To help alleviate financial strain caused by the COVID-19 crisis, California Coast Credit Union recently deferred (postponed) applicable Vehicle Loan, Personal Loan/Lines of Credit, Mortgage Loan, and Credit Card payments, including automatic payments.1,2  If you have a mortgage loan serviced by Midwest Loan Services, click here for more information.2

This was a temporary suspension of monthly loan and/or credit card payments. The automatic deferral ends on June 30, 2020 and monthly payments resume on their regularly scheduled due date in July 2020. 

If you are unable to make your July payment(s) due to continued financial hardship caused by COVID-19, please download the required forms below to request additional payment relief:

You may also apply for an Emergency Loan or Line of Credit. Learn more.

Questions? Please read our loan and credit card deferral FAQs.

Our COVID-19 temporary fee waiver program ended as of June 15th. Here are some additional ways being a Cal Coast member can help you avoid paying additional fees!

Cal Coast Services & Member Perks
We offer many valuable services to help you manage your money and avoid fees:

  • Cal Coast has a network of 30,000 surcharge free CO-OP® ATMs nationwide available to all members
  • Direct Deposit for timely deposits and access of your funds
  • Free Cashier’s Checks4
  • Free overdraft protection from a Cal Coast line of credit5
  • Balance and Transaction Alerts via Cal Coast Mobile Banking App6
  • Cal Coast Online Banking for 24 hour access to your accounts

Products to Help Cal Coast Members Avoid Fees

  • Free Checking with eStatments – checking that rewards you!
  • Extra Value Checking which refunds the fee on two withdrawals each month at ATMs outside our CO-OP® Network7 and so much more!

Cal Coast Loyalty Rewards
When you become a Cal Coast member, you are automatically enrolled in Cal Coast Loyalty Rewards and it’s free.8 With Cal Coast Loyalty Rewards you are eligible for:

  • Refunds on ATM out-of-network fees
  • NSF or courtesy fee credit
  • Overdraft transfer tee credit
  • Check order fee Credit
  • And so much more!
Paycheck Protection Program

We know the COVID-19 crisis has affected our members, especially small business owners.

California Coast Credit Union has partnered with NewTek, a leading Small Business Association (SBA) lender, to help member business owners submit online applications for the SBA’s Payroll Protection Program (PPP). The program offers federal loans to help businesses keep their workers on the payroll during the COVID-19 crisis.

We recommend you work with your accountant or financial planner to determine your business’ eligibility, or visit the SBA website for more information before getting started.

Important: It’s recommended that applications are submitted as soon as possible as all associated documentation must be submitted to the SBA by August 8, 2020.

Start the Payroll Protection Program application process with NewTek here.

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 6/25/20: Our branches remain open except for: Mira MesaSDSU Campus and Solar, 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 limits9 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:

Mobile Banking Scams
As we change our banking habits due to COVID-19, it’s more important than ever to be vigilant about potential scams. The FBI warns that hackers are using the upsurge in app-based banking as an opportunity to scam unsuspecting mobile banking users. To combat potential app-related threats, the FBI recommends only downloading banking apps from official app stores (like the Google Play Store for Android and the Apple App Store for iOS), or directly from the financial institution’s website, and to always use strong passwords. If you encounter something in your banking app that looks suspicious, contact Cal Coast or the financial institution for the app right away.

Contact Tracking Scams
The California Attorney General issued a warning to be on the lookout for a new scam involving phony COVID-19 contact tracing. Contact tracing is an important tool that helps local public health departments identify and inform people who may have been in contact with a COVID-19 infected individual. In this new fraud scheme, scam artists pretend to be contact tracers in order to trick Californians into divulging their private personal information such as Social Security Numbers, financial information, or health insurance information. These scam artists are contacting Californians by phone, email, and/or text.

Legitimate contact tracers will never ask for personal or financial information—they will only ask about your medical symptoms and the people you have been in contact with. If a contact tracer asks you for personal or financial information, or tries to charge you money, it’s a scam. You can report contact tracing scams to the California Office of the Attorney General.

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 Complaint 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 06/25/20 and is subject to change. Restrictions may apply. Serving those who live or work in San Diego or Riverside counties. Savings account required.

1Offer was made available for auto/other vehicle loans, credit cards and unsecured loans for accounts in good standing with current loan payments as of 03/19/2020. Deferring payments may have increased total finance charges. Interest continued to accrue during the deferment period.

2Offer was made available for home loans, home equity loans, and home equity lines of credit effective 3/23/2020. Deferring payments may have increased total finance charges. Interest continued to accrue during the deferment period. If your mortgage loan is serviced by Midwest Loan Services (MLS), please contact MLS at or by calling (800) 262-6574 regarding loan deferrals.

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.

4Limited to one free cashier’s check per day.

5If your line of credit does not contain sufficient availability, overdraft fees may apply. Line of credit subject to credit approval. Finance charges apply. See your Line of Credit agreement for details.

6The 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.

7ATM fee waivers do not include those fees charged by banks outside the CO-OP network.

8To be eligible for Cal Coast Loyalty Rewards, member must be in good standing. Restrictions apply. If you are a member of the Family Rewards program, you are not eligible for Cal Coast Loyalty Rewards. To switch permanently from Family Rewards to Cal Coast Loyalty Rewards, please call us at (877) 495-1600.

9Regulation 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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