Certificates

APY = Annual Percentage Yield. Rates are accurate as of 12/06/2023. 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.

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The minimum deposit required to open the 8 Month Liquid Certificate is $1,000. The minimum balance to earn the 4.00% 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.

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. 

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.

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.