Low-Interest Rate Personal Loans

Financing for every dream,
or just about anything you need!

Low-Interest Rate Personal Loans
Signature Loan
Signature Line of Credit
Secured Signature Loan
Energy Loan
Student Loans

Residential Energy Efficiency Loans (REEL)

Improving your home’s energy efficiency can help you save money on your utility bills for years to come. Upgrades, like installing new windows, sealing leaky ducts or updating to an efficient heating and cooling system, can make a big difference in your home’s comfort and your monthly bills.

REEL is a program developed by the State of California to help residents finance energy improvements. If your home and project meet the qualifications below, a Residential Energy Efficiency Loan (REEL) from California Coast might be the right fit for your needs.

Note: REEL financing does not cover solar projects.


  • Your contractor must be listed as a REEL Qualified Contractor as of the project start date. If your preferred contractor is not listed, ask your contractor to visit gogreenfinancing.com to find out how to enroll as a REEL Qualified Contractor1.
  • You may upgrade a single-family home, townhome, condo, duplex, triplex, fourplex, or manufactured home. Up to 4 residential units may be renovated using a single REEL loan.
  • Property must receive gas and/or electric services from San Diego Gas & Electric, Pacific Gas & Electric, Southern California Gas or Southern California Edison.
  • 70% of the loan must be eligible for Energy Efficiency Measures (EEEMs) approved by the State of California, such as heating and cooling, insulation, air sealing, lighting or dual pane windows. 
  • The remaining 30% of the loan can finance other home improvements, such as landscaping, painting, water efficiency, or electric energy savings measures if your electricity provider is not listed above.

About the California Coast Residential Energy Efficiency Loan

  • Loan amounts from $2,500 up to $50,000
  • Terms from 5 to 15 years
  • Rates as low as 6.38% APR2
  • Approval within 24 hours (instant approval for qualified borrowers)
  • Offered to all California residents with no membership fees required3

Not sure if REEL financing is right for your project? For more information call (858) 495-1637 or email energy@calcoastcu.org. For additional information on the REEL program, please visit gogreenfinancing.com.

Apply for a Loan

1CCCU 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.

2APR = Annual Percentage Rate.

3$5 California Coast membership fee waived for REEL financing applicants.

Signature Loan

The best of the best in personal loans.

Our signature loan is one of our most popular personal loans—for good reason! Our signature loan helps turn hopes, dreams, and must-haves, into reality. Effortlessly!

Borrow a little or a lot.
  • Loan amounts from $500 to $30,000
  • No collateral needed, just your good credit history!
  • Competitive fixed rates
  • Up to 60 months to repay1
  • No prepayment penalty
Manage the loan —wherever you are.

Get a personal loan with a low interest rate today!

Apply Now View Personal Loan Rates

1Click here to view current rates and estimated payment information. All loans subject to approval.
2Available at an additional cost. Certain restrictions may apply.


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Signature Line of Credit

Ready money, whenever you’re ready.

Consider your signature line of credit a ready source of money. It’s a revolving line of credit, so it’s always at your service. Just like Cal Coast!

Money to go!
  • Loan amounts from $500 to $25,000
  • No collateral needed, just your good credit history!
  • Withdraw funds at any branch, by check, online banking or phone banking
  • Competitive fixed rates
  • No prepayment penalty
Money for your Cal Coast accounts.
  • Make transfers as needed to your California Coast savings or checking account
  • Use it for overdraft protection
Easy money management!

Apply Now  View Personal Loan Rates

1Available at an additional cost. Certain restrictions may apply.


I'd like to know more! Contact Me

Secured Signature Loan

An all-around happy loan option!

Got money in savings, a Certificate or Money Market account? You’re on the fast track to a loan! With a secured signature loan, you can borrow against your money at Cal Coast, and get a few perks along the way.

It’s a win-win!
  • Pay a low rate on the loan
  • Continue to earn interest on your accounts

Apply Now View Secured Signature Loan Rates

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Student & Parent Loans to Finance Higher Education

Choose your loan type—

The Smart Option Student Loan® for California Coast by Sallie Mae®

For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, get started here.

  • Multiple in-school repayment options, plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no pre-payment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • 100% US-based Student Loan Specialists

NEW! The Parent Loan for California Coast by Sallie Mae®

For parents or loved ones with students attending degree-granting institutions

If you’re looking to pay for all or part of your student’s education, California Coast has partnered with Sallie Mae to offer the Parent Loan featuring competitive interest rates and the flexibility of two repayment options. Any creditworthy individual—parent, grandparents, aunts, uncles, spouses, and guardians—can help a student achieve their dream of college.

With the loan in your name, you can give the gift of college to your student, while relieving them of the financial responsibility. To learn more or to apply, get started here.


For more info on paying for college, watch these videos
- Paying for college
- Saving for college

Questions? Call Sallie Mae at (866) 284-3069.

Loans underwritten by Sallie Mae and subject to approval. Note: Students aren’t eligible to be a borrower or cosigner for the Sallie Mae Parent Loan. Borrowers, cosigners and students must be US citizens or permanent residents.

Useful Tools & Services

We care about helping you realize your dreams.

Signature Loan Rates


You May Also Like

Here’s even more info on financing your goals.

Student Credit Cards

Auto Refinancing


Life Savers!

I love California Coast because they helped me get my first credit card and refinance my car. They lowered my interest rate from 16.64% to 4.98%. They helped me save $2,300. They're real life savers!


Manuel V.

valued member

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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