EARN 4.00% APY¹

Membership and credit are subject to approval. New members: a one‑time $5 membership fee and savings account required

1.     APY = Annual Percentage Yield and are accurate as of 03/01/26. NEW FUNDS REQUIRED. The minimum balance required to open and earn stated APY is $10,000. The Annual Percentage Yield assumes dividends will remain in the account until maturity. Early withdrawal penalty applies. Fees could reduce earnings. Offer excludes individual retirement accounts. Additional deposits of $1,000 or more in new money may be made at any time during the term. Term‑specific requirements: 7‑Month Certificate: At maturity, the 7‑Month Certificate automatically renews into a standard 6‑Month Certificate at the prevailing rate; credited dividends become part of principal. 11‑Month Certificate: At maturity, the 11‑Month Certificate automatically renews into a standard 12‑Month Certificate at the prevailing rate; credited dividends become part of principal. Limited-time offer. Cannot be combined with any other offer. Subject to change without notice. Other restrictions may apply.

2.     According to NerdWallet’s published national CD rate averages (nerdwallet.com/banking/learn/current-cd-rates) as of 2/23/26, the national average for a 6‑month CD term is 1.48% and 1‑year CD term is 1.55%.

3.     Referring Members: To qualify for the $50 referral dividend bonus, 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). Referral dividend bonus will be paid to the savings account when referred members open qualifying accounts and meet requirements. 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 $50 referral bonus, per new member referred maximum and a total of $500 in referral dividend bonuses per calendar year.
Referred Members: To qualify for the $50 referral dividend bonus, 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 eStatements, plus deposit and maintain at least a $50 balance in either account, and one of the following: enroll in Online/Mobile Banking, use Bill Pay, or set-up Direct Deposit. 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. Referring members can earn up to a maximum of $500 in referral bonuses per calendar year.  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.

4.     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.

5.     Minimum opening balance of $25. Maintenance fee of $3.75 charged monthly. Applicant must be at least 18 years of age to open an account. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. Insurance products are not federally insured, are not obligations of, or guaranteed by the credit union. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.