EARN 3.75% APY¹

1.  APY= Annual Percentage Yield. Rates are accurate as of 08/12/2025.  Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes individual retirement accounts. New Money only. The minimum balance required to open the 11-Month Certificate and obtain the APY is $10,000. There is no maximum. At maturity, your 11-Month Certificate account will automatically renew to a standard 12-Month Certificate account at the prevailing rate in effect at that time, and credited dividends become part of your principal. Membership and credit subject to approval. 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. Insured by NCUA.  

2.   Referring Members: To qualify, the referring member must be an existing active California Coast Credit Union member in good standing.  The referred member must be a new member to California Coast Credit Union, open a separate membership account, pay a one-time membership fee of $5, open a savings account and make a minimum deposit of $50 into a checking or savings account (balance must remain at $50 until incentive has been paid). An additional $25 dividend bonus is paid to the referring member when the referred member funds an auto loan within 30 days of account opening. Referral dividend bonuses are paid to the savings account within 3 business days of the criteria being met. Referring members can receive a maximum of $150 referral bonus, per new member referred maximum and a total of $500 in referral dividend bonuses per calendar year.
Referred Members: To qualify, the referred member must be a first-time new member, meet membership eligibility and account opening criteria, be at least 13 years old, and open the required account types: savings account, checking account with eStatments, plus deposit and maintain at least a $50 balance in either account, and one of the following: enroll in Online Banking, use Bill Pay, or set-up Direct Deposit. An additional $25 dividend bonus is paid for an auto loan that is funded within 30 days of account opening and a $75 dividend bonus is paid for a real estate loan that is funded within 120 days (excludes credit cards and lines of credit). Any party involved in connection with the real estate transaction, including Real Estate agents, are not eligible for this offer. Referral dividend bonuses are paid to the savings account within 3 business days of the criteria being met, including maintaining a $50 balance.
Additional Promotion Terms: Referring members must be 18 years old to participate in the Coast into Cash referral program. Referred members who are 13 to 15 years old require a parent or guardian to be joint on the account. Referrals are subject to verification. All related individuals may no longer qualify for this promotion and may not receive all or a portion of the bonus if, in California Coast Credit Union’s sole discretion, they are linked to an unqualified referral or misuse of the program. Dividend bonus payments subject to tax. Cannot be combined with any other offer. California Coast Credit Union branch employees not eligible. Limited time offer. Terms and conditions subject to change without notice and promotion may be discontinued. Learn more at calcoastcu.org/refer.

3.   Direct Deposit may be credited up to 2 business days prior to the designated payment date if provided by the payer. Actual deposit date is not guaranteed.