Take 5 Certificate

Sit back, relax and enjoy an exceptionally high rate with a low minimum deposit.

Take a break from low rate certificate accounts

Our Take 5 Certificate offers 5.00% APYwith a low minimum deposit.

Take 5 Certificate benefits:
  • Fixed 5.00% APY1
  • Short 5-month term1
  • Open with as little as $500
  • New money required
Easy access to accounts:
  • Online Banking—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 


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  1. APY= Annual Percentage Yield. Rates are accurate as of 05/26/2022.  Early withdrawal penalty applies. Fees could reduce earnings. 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.  
  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. Learn More.



Don't be a stranger, we're your neighbor

Have a question about your account, applying for a loan or perhaps you're ready to talk refinancing? Whatever your question or need, our Member Service Center is always happily available to walk you through every step of the process with your best interest at heart. 

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