Certificates

Lock in a great rate and open a Cal Coast certificate today.

Save Today, Your Future Self will Thank You

Build your savings with a Cal Coast certificate and enjoy competitive fixed rates with your choice of terms from 3 months to 5 years. Earn a higher rate on larger deposits and accelerate your savings.

A safe and secure way to save

A Certificate locks up your savings for a set period of time, and earns higher rates than a basic savings account. All it takes is a minimum opening balance of $1,000 to get started.

Certificates benefits:
  • Choice of terms, from 3 months to 5 years
  • Competitive, fixed-rate
  • Online Banking gives you easy access to accounts—review transaction history, utilize budget tools, make external transfers, and more.
  • Mobile Bankingincluding Bill Pay, Deposit, Send Money Powered by PayPal™3
  • Free eStatements
  • CoastLine Telephone Banking

Comparing Certificates

APY1 Varies by term and tier APY1 0.50%
Term 3 Months to 5 Years Term 8 Months
Minimum Opening Balance $1,000 Minimum Opening Balance $1,000
Features Competitive Fixed Rate Features One penalty-free withdrawal
Make Additional Deposits Yes Make Additional Deposits Yes
New Money Required No New Money Required No
View Rates

Comparing Certificates

Primary Certificate 8 Month Liquid Certificate4 18 Month Bump Rate Certificate5 Take 5 Certificate6
APY1 Varies by term and tier 0.50% As high as 0.75% 5.00%
Term 3 Months to 5 Years 8 Months 18 Months 5 Months
Minimum Opening Balance $1,000 $1,000 $1,000 $500
Features Competitive Fixed Rate One penalty-free withdrawal One rate bump allowed during the term High Fixed Rate
Make Additional Deposits Yes Yes Yes No
New Money Required No No No Yes

Comparing Seasonal Certificates

APY1 0.50% APY1 0.50%
Term Dependent on Open Date Term Dependent on Open Date
Minimum Opening Balance $50 Minimum Opening Balance $50
Maturity Date June 30 Maturity Date October 31
Make Additional Deposits Yes Make Additional Deposits Yes
New Money Required No New Money Required No
View Rates

Comparing Seasonal Certificates

Summer Certificate7 Holiday Saver Certificate7
APY1 0.50% 0.50%
Term Dependent on Open Date Dependent on Open Date
Minimum Opening Balance $50 $50
Maturity Date June 30 October 31
Make Additional Deposits Yes Yes
New Money Required No No

Youth Certificates

APY1 Varies by term and tier APY1
Term 3 Months to 2 Years Term
Minimum Opening Balance $100 Minimum Opening Balance
Make Additional Deposits Yes Make Additional Deposits
New Money Required No New Money Required
View Rates

Youth Certificates

Youth Savings Certificate
APY1 Varies by term and tier
Term 3 Months to 2 Years
Minimum Opening Balance $100
Make Additional Deposits Yes
New Money Required No


More Ways to Save

Investments and Retirement

We care about your future and want our members to live a financially prosperous life. Get started today with our Retirement & Investment personalized options and services. 

Money Market Savings

A Money Market Savings account is perfect for those looking for easy access to their funds and higher dividend rates.

Financial Wellness

Learn financial tips and tricks to better manage your money. From dealing with debt, to saving for your first home; learn how Cal Coast Credit Union can help you with your finances.

  1. APY = Annual Percentage Yield. Rates are accurate as of 09/20/2020. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Penalty for early withdrawal applies to all certificates unless otherwise indicated. Fees could reduce earnings. Rates and terms are subject to change without notice. Visit calcoastcu.org or visit one of our branch locations for details on rates, fees, and minimum balance requirements. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Restrictions apply.

  2. Check with your wireless provider to determine if data and text messages rates apply.

  3. Maximum transfer amount is $1,000. There is no fee to use this service. The amount sent is withdrawn immediately from the selected account. To receive money, the recipient must have or open a new PayPal account. Recipients may be charged a fee based on their PayPal account type. Over 190 countries accept PayPal. PayPal currently charges for payments made to purchase goods or services or for personal payments to recipients outside the United States. If PayPal charges a fee for a payment, the payment recipient is responsible for paying the fee. Money can be sent in 20+ currencies. See the list of countries and regions where PayPal is available. Funds will be transferred immediately if the recipient has an email address or mobile number linked to a PayPal account. 

  4. The minimum deposit required to open the 8 Month Liquid Certificate is $1,000. The minimum balance to earn the 0.50% APY is $1,000. Offer excludes individual retirement accounts. New money only. Additional deposits of $1,000 or more each may be made at any time into your 8 Month Liquid Certificate account. After the first seven days, you may make one penalty-free withdrawal of $1,000 or more during the term as long as that withdrawal either leaves a balance of $1,000 or more, or closes the certificate. At maturity, your 8 Month Liquid Certificate account will automatically renew into an 8 Month Certificate account at the prevailing rate in effect at that time, and credited dividends become part of the principal.  

  5. The minimum deposit required to open the 18-Month Bump Certificate is $1,000. The minimum balance to earn dividends is $1,000. One time bump rate option available at the request of the certificate owner. The new rate from the date of the increase will remain in effect until the certificate maturity date. Additional deposits are allowed at any time during the term. Other rates and terms available. 

  6. Offer excludes individual retirement accounts. Take 5 Certificate is a new member offer and excludes existing membership. New money required. One Certificate per Consumer Account Member’s (Primary) Tax Identification Number or Business Account Member’s Tax Identification Number. The minimum deposit required to open the Take 5 Certificate is $500. Certificate opening deposit balance cannot exceed $5,000. In addition the Consumer Account Member or Business Account Member must also have one of the following within 30 days of opening the Certificate and it must remain open for the term of the Certificate: (1) Consumer Account Members: An active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) checking account with eStatements OR an existing or open (funded) consumer loan (excluding share secured loans and Mastercard credit card account) OR a minimum balance of $5,000 in a money market account, regular certificate account, or IRA certificate account. (2) Business Account Members: An active (one transaction a month, including but not limited to, Direct Deposit, Preauthorized Payments, Checks, ATM, POS, Debit Card, and Bill Pay) checking account with eStatements OR a minimum balance of $5,000 in a money market account (fees charged, if applicable) OR a Business Line of Credit (LOC). You will have a 30-day grace period to meet the requirements. If the conditions are not met, the stated APY may be reduced to the APY in effect for a 3-Month Certificate Account for the remainder of the term. At maturity, the funds will be transferred into your Primary Savings Account or Business Savings Account, as applicable. Other restrictions may apply. Limited time offer, subject to change without notice.

  7. The minimum balance required to open and obtain the APY is $50. A minimum $50 automatic deposit each month is required from another California Coast share account. Additional deposits are allowed at any time. If the balance falls below $50, or the automatic deposits are terminated, the certificate will be closed and the funds will be transferred to your savings account.

 

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