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 Banking2 including Bill Pay, Deposit, PayItNow person-to-person payments3
- Free eStatements
- CoastLine Telephone Banking
Comparing Certificates
| Primary Certificate | 8 Month Liquid Certificate4 | 18 Month Bump Rate Certificate5 | Take 5 Certificate6 | Celebration Certificate9 | |
|---|---|---|---|---|---|
| APY1 | Varies by term and tier | 3.00% | As high as 0.55% | 5.00% | 9.50% |
| Term | 3 Months to 5 Years | 8 Months | 18 Months | 5 Months | 5 Months |
| Minimum Opening Balance | $1,000 | $1,000 | $1,000 | $500 | $500 |
| Features | Competitive Fixed-Rate | One penalty-free withdrawal | One rate bump allowed during the term | Fixed-Rate | Fixed-Rate |
| Make Additional Deposits | Yes8 | Yes | Yes | No | No |
| New Money Required | No | No | No | Yes | Yes |
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
| 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
Smart Savings
Learn more about Smart Savings accounts with California Coast Credit Union. Contact us today to get started.
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.
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APY = Annual Percentage Yield. Rates are accurate as of 04/18/2025. 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 are subject to approval. Serving everyone who lives or works in San Diego, Riverside, Imperial, Orange, Los Angeles, Ventura, and San Bernardino counties. A one-time $5 membership fee and savings account are required. Restrictions apply.
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- Maximum transfer amount is $1,000. There is no fee to use this service. Learn More.
- The minimum deposit required to open the 8 Month Liquid Certificate is $1,000. The minimum balance to earn the 3.00% 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.
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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.
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APY= Annual Percentage Yield. Early withdrawal penalty applies. Fees could reduce earnings. Rates are accurate as of 01/02/25. Offer excludes individual retirement accounts. New Money only. The Take 5 Certificate offer is available to new members only. This offer excludes existing memberships. A primary member is allowed to open one Take 5 Certificate Account under the same member name and related tax identification number. The minimum balance required to open the Take 5 Certificate and obtain the APY is $500. The maximum opening deposit balance is $5,000. In addition to the minimum balance requirements the following conditions also apply: (a) 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 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. (b) 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) Business Checking account with eStatements OR a minimum balance of $5,000 in a Business 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 5.00% APY may be reduced to the APY in effect for a 3-Month Certificate Account for the remainder of the term. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. New members–a one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Limited time offer. Subject to change without notice. Other restrictions may apply. Federally insured by NCUA.
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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.
- Certain deposit and term restrictions apply.
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Early withdrawal penalty applies. Fees could reduce earnings. Rates are accurate as of 3/18/25. NEW MONEY ONLY. Offer excludes individual retirement accounts. A primary member is allowed to open one (1) Celebration Certificate Account under the same member name and related tax identification number. The minimum deposit required to open the Celebration Certificate is $500. Certificate opening deposit balance cannot exceed $3,000. Available to consumer accounts only in Orange, Los Angeles, Ventura, Imperial, and San Bernardino Counties. The following conditions also apply: 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 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. You will have a 30-day grace period to meet the requirements. The stated alternative deposit account must remain open for the certificate term period. If the conditions are not met, the 9.50% stated APY may be reduced to the APY in effect for a 3-Month Certificate Account for the remainder of the term. Other restrictions may apply. Other rates and terms available. Serving anyone who lives or works in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties. Must meet membership and account opening criteria counties. Must meet membership and account opening criteria. New members – a one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Limited time offer, subject to change without notice.
