Special Offers

Enjoy the Cal Coast Advantage with these member-only discounts and limited-time offers. 

Current Offers

Not only do we offer financial services designed to save you time and money ─ we’re also continually looking for ways to give back to you ─ our member. After all, we’re “people helping people.” And that’s not just talk. 

Be sure to check back often to see how we can help you get you where you want to be — and with more money in your pocket. Cal Coast members receive these members-only perks. Plus, the special offers listed below.



COVID-19 Special Financial Relief Loans

For members that are in need of additional financial relief due to the COVID-19 pandemic, we are offering the following emergency loan options:

No Payments for 6 Months Emergency Loan
  • No Fees
  • Interest free, 0% APR
  • Up to $1,000 to be repaid no later than 6 months from origination
  • Subject to credit review
12-Month Emergency Loan
  • No Fees
  • Rates as low as 1.98% APR
  • No Payments for 90 days1
  • Loan amounts up to $5,000
  • Principal and Interest Payments over 12 months
  • Subject to credit review
Emergency Line of Credit
  • Rates as low as 2.98% APR
  • Credit line of $5,000 with access as you need it2
  • Overdraft protection available
  • Low minimum monthly payments
  • Subject to credit review

If you have been financially impacted by the COVID-19 pandemic and want to discuss alternative options, or have any additional questions, call our Member Service Center at (877) 495-1600.


2.88% APR4 Credit Card Special

What’s the offer?

Enjoy 2.88% introductory APR4 on purchases and balance transfers with no balance transfer fee and no annual fee with our Platinum Mastercard® Credit Card.

When is the offer valid?

The introductory purchase and balance transfer rate is valid through 6/30/21.5 After 6/30/21 the APR4 will be 11.88% - 17.88% APR.5

How do I take advantage of the offer?

Apply online, call us at (877) 495-1600 or visit your local branch.

In addition, the Platinum Mastercard features:
  • No annual fee
  • Credit limits up to $25,000
  • EMV chip technology
  • Low rates to keep your monthly payment affordable
  • Plus ID Theft Protection6, Extended Warranty6,7, Price Protection6,7 and more


Auto loans as low as 0.80% APR9

Get up to 0.50% off your auto loan rate when you buy your vehicle using a Cal Coast Auto Buying Service and finance with Cal Coast.9

​Benefits of Cal Coast Auto Buying Services:
  • Enjoy a sweet discount—up to 0.50% off your auto loan rate when you use a Cal Coast Auto Buying Service9
  • Enjoy no payments for 90 days10
  • Shop how you want with a do-it-yourself option courtesy of TrueCar, or take advantage of personalized assistance from concierge services powered by New Cars Inc.
  • Vehicle Loan Protection—enjoy peace of mind on the road, thanks to low cost vehicle protection packages



25% Tuition Reduction at National University

At Cal Coast, we’ve been proud supporters of the local education community for more than 90 years. 

We’re excited to build on that legacy by partnering with National University to support members pursuing degrees in higher education. National University is offering Cal Coast members a 25% Tuition Reduction Scholarship toward earning an associate’s, bachelor’s, master’s degree, or certification.11

Whether you attend classes at one of over 20 campus locations or take flexible online classes, you’ll find a program that’s perfect for you and your career goals.

  • Choose from 75+ programs, including associate, bachelor’s, and master’s degrees, plus credentials and certificates
  • Simplified and streamlined application process
  • Year-round enrollment and four-week classes
  • Private nonprofit university accredited by WASC Senior College and University Commission (WSCUC)

Ready to go? Start your application today—don’t’ forget to mention you qualify for the discount!

Already a National University student? Let your advisor know you qualify for the Cal Coast Member Tuition Reduction Scholarship.

  1. COVID-19 Financial Relief Loans: Finance 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.
  2. 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. 
  3. Sprint Credit Union Member Cash Rewards: Available for eligible credit union members & member employees. $100/line, max 2 lines. See more. 

    CCCU does not endorse or encourage the product or services. CCCU urges you to do your own due diligence on the vendor and its product/service.
  4. CREDIT CARD SPECIAL: APR = Annual Percentage Rate. All loans subject to approval.All information is accurate as of 10/1/19 and is subject to change without notice. For current rates and terms, please click “More Info” above or contact California Coast Credit Union at (877) 495-1600. All loans subject to approval. Mastercard is a registered trademark of Mastercard International Incorporated.
  5. Introductory rate valid 10/1/19 through 6/30/21. 2.88% promotional offer cannot be used to pay off any CCCU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Offer valid on new Platinum Mastercard accounts only. Introductory rate does not apply to Platinum Choice Rewards, Platinum Secured and Platinum Student Credit Cards. Certain restrictions apply. 
  6. For eligible items purchased with your California Coast Platinum Mastercard.
  7. Certain terms, conditions, and exclusions apply. Contact California Coast for complete coverage terms and conditions or call (800) MC-ASSIST or (800) 622-7747 for assistance.
  8. AUTO BUYING SERVICES DISCOUNT: APR = Annual Percentage Rate. Rates and terms are based on credit history, subject to credit approval, and subject to change. Up to 105% financing available based on credit worthiness and model year. New: Manufacturer's Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), plus license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver's license and current insurance information are required at time of financing.
  9. Subject to credit and collateral approval. Advertised rate is our lowest Annual Percentage Rate (APR) and is effective 5/1/20 and includes a discount for using a Cal Coast Auto Buying Service (TrueCar or New Cars Inc). Rates are subject to change without notice. Vehicle loan rates with the TrueCar/NCI discount currently as low as 0.80% APR, depending on credit history, loan term and vehicle model year. The as low as rate applies to vehicle model years 2014 and newer. A 29 month loan with a 0.80% fixed APR would have monthly payments of $34.83 per $1,000 borrowed. If you use TrueCar/NCI, the discounted offer is good for purchases; rate discount subject to change or end without notice. To qualify for discount offer, you must use a Cal Coast Auto Buying Service (TrueCar/NCI) and either fund the purchase of a vehicle from the certified dealer listed on your Price Quote Certificate (Cal Coast TrueCar Savings Certificate) or purchase a new vehicle from New Cars Inc. and finance your purchase with California Coast. The Cal Coast Auto Buying Service TrueCar Price Quote Certificate must be generated no more than 90 days prior to your loan being funded. Your loan will originally be set up without the rate discount. After your loan agreement is signed and your vehicle purchase is complete, we will confirm that you qualify for the discount and apply the discount to your loan as of the effective date of the loan. Discount for all year models is 0.50% off of the approved interest rate for loan terms up to 5 1/2 years (66 months). Discount for all year models is 0.25% off of the approved interest rate for loan terms of 67 months and longer. Discounted rates are available for purchases and not valid for refinances and lease buyouts. Please allow ten to fifteen business days after funding for processing your purchase and loan discount.
  10. 90-day deferred payment option for qualified borrowers. Finance 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. Restrictions apply.
  11. NATIONAL UNIVERSITY TUITION REDUCTION: Nursing, radiation therapy, and doctoral programs are excluded.

Don't be a stranger, we're your neighbor

Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

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